What is a Smartlend Cash Advance?
A Smartlend Cash Advance is a flexible funding option designed to support your business cash flow. Instead of fixed monthly repayments, the advance is repaid automatically as a small percentage of your daily card sales meaning repayments adjust in line with how your business is performing. There are no fixed terms, no direct debits, and no pressure during quieter trading periods. It’s funding that works around your business, not against it.
Key Benefits:
Simple & Clear
Flexible funding for your business, repaid through your card sales.
Sales-Focused
Unlock business funding without the hassle of traditional loans.
Fast Access to Funding
Quick access to business funding when you need it most.
Merchant-Friendly
Funding that moves with your business — repayments from your card sales.
Growth Focused
Power your business growth with flexible merchant funding.
Simple Application Process
Apply quickly with minimal paperwork and a straightforward approval process.
Stress-Free Funding
Access the funding your business needs without the pressure of traditional bank loans.
How does it work?
- Apply in under 10 minutes
- A soft credit check is completed (this won’t affect your credit score)
- Funding is assessed based on your existing card turnover
- Nothing proceeds unless you are happy. All costs and terms are shown upfront
- No funds are released until you accept and sign, with full support from your Smartpayni Smartlend Cash Advance Specialist
- Your specialist guides you through the process from start to finish, answering questions and ensuring everything is clear before you proceed
- Once approved and signed, funds are paid out inside 24 hours
- Repayments are taken automatically through your card terminal as a small, pre-agreed percentage of daily card sales
- When sales are slower, repayments reduce. When sales increase, you repay a little more
A simple example
If you receive a £10,000 Smartlend Cash Advance, the total amount to repay may be £12,500.
There are:
- No interest rates
- No fixed monthly repayments
- No surprise fees
Repayments happen automatically as your customers pay you, making it a simple and predictable way to access funding.
Support from start to finish
You’re never left on your own. Your Smartlend Cash Advance Specialist will:
- Explain the process clearly
- Walk you through the figures
- Answer any questions before you commit
- Support you until funding is complete
This ensures you make an informed decision that’s right for your business.
Contact us today or send an enquiry using the form below:
