A simple process to get Working Capital for your Business


  • Free quote within 30 minutes or detailed illustration within 24 hours
  • Does not affect your credit score


  • Simple application form
  • Provide us with 12 months of your Card Statement
  • At least 1 year on
    your Lease


  • 90% approval rate
  • Receive funding in 7 days or less
  • Wired directly to your bank account

Pay Back

  • Hassle-free Automatic repayment
  • Small % of Debit/ Credit card sales
  • Monthly Statement
    of your repayment


  • Option to renew
    when the Cash Advance is
    paid back.

Looking for a Business Loan? Why not to try our Friendly Finance!

Finally an alternative to conventional Business Loans. WorkingCapital4u can help you raise cost effective working capital for your business without the banks. Get the cash your business needs, when you need it.

Who are we?

WorkingCapital4u is a leading provider of working capital to small and medium size businesses in the United Kingdom and United State with innovative and transparent funding solutions. Our primary objective is to provide business owners with the working capital they need to run a successful business. Because of the dynamic and challenging nature of running a business, we make certain that qualifying business owners can get the cash advance they need, quickly and easily.

Typically, the bank will be happy to loan a business money when it does not need it, but reluctant to loan a business money when it needs it the most. At WorkingCapital4u, we like to think differently and actually fund businesses when they need it most. We do this by arranging cash advance for companies to advance its future credit/debit card sales as an unsecured cash advance.

Our simple qualification process allows us to arrange capital to much higher percentage of businesses and our affinity partners make it cost effective.
WorkingCapital4u help provide the Business Cash Advance product to hundreds of merchants cross the UK and USA. If you have a card payment facility and are looking for funds to grow your business, complete the form today and our team will contact you to arrange a quote.

What is Business Cash Advance?

Merchant and Business can receive working capital against future credit card sales. The cash advance product provides to qualified businesses a financial service aimed at helping clients build and expand their business. A Cash Advance wants to establish itself as an alternative source of funding for businessmen/women, who know how important it is to maintain a fluid cash flow in their company.
Tens of thousands of merchants get immediate cash by selling their future Visa and MasterCard transactions.

How does a Business Cash Advance works Exactly?

An innovative funding product that was designed to serve the financial needs of the small and medium sector.

Aimed at businesses that accept debit/credit cards, cash advance funds are provided to business by purchasing an agreed percentage of its future debit/credit card sales. The repayments are made by deducting an agreed amount, from the daily debit/credit card sales, until the amount is repaid. Because the repayment is made through the credit card processor it is automated and does not require any effort from the merchant. As there are no fixed payments, the payments are made when credit/debit card sales are made. So, we get paid when the business does.


Why Business Cash Advance?

Cash Advance Advantages
  • No security required
  • No audited accounts or tax returns required
  • No application fees or hidden charges
  • No fixed payments
  • No fixed term and no-payment penalties
  • Simple Application Process
  • Fast decision by real people i.e. no multi-level approvals
How do I know if I qualify?
In order to qualify, you will need to meet the following requirements:
  • Operating with payment terminals for at least 12 months
  • Processing at least £3,000 per month via card payments
  • Have at least 1year left on your lease
  • Processing 20+ transactions per month
  • Authorise our partner company to receive a portion of your daily future credit/debit card receipts until the cash advance is paid

How can you use our Merchant Cash Advance for your business?

Most of our customers use the money for business-building needs like adding more seats to their restaurants, advertising or stocking up on seasonal merchandise. Others have used it to buy out a partner or for emergency needs like unforeseen maintenance issues that could interrupt your business.
  • Purchase New Equipment
  • Purchase Inventory/ Seasonal Merchandise
  • Expand/ Remodel
  • Pay Off Debt/Taxes
  • Emergency Funding
  • Others

Because of Cash Advance, I was able to open new locations for my restaurant and expand my business.
Cash Advance Testimonial
Restaurant Owner, London

We needed a little boost for our stock. With the money I received I was able to do that and more.
Cash Advance Testimonial
Auto Shop Owner, Manchester

Within a week the amount I had asked for my salon was on my account. Great Service!
Cash Advance Testimonial
Hair Salon Owner, Leicester

Attribute Bank Loan Credit Card Lease Personal Loan Business Cash Advance
Funds available in 7 to 10 working days No Yes Yes Yes Yes
Minimal documentation
e.g. no business plan
No Yes No No Yes
One simple cost.
(No penalties. Late payment charges or hidden fees.)
No No No No Yes
90% approval Rate No No No No Yes
Pay back linked to cashflow No No No No Yes
No collateral required No Yes No No Yes