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Funding For British Businesses | Funding Alternative
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Cash Advance

Get quick and easy access to funds with a Business Cash Advance (BCA).

We provide the advance, and you choose the repayment option that works best for you: flexible payments, or weekly repayments.

Apply For A BCA Today

What is a Business Cash Advance?

A Business Cash Advance is a flexible financing solution designed to support a wide range of businesses. It’s easier to qualify for than a traditional loan, making it ideal for companies that need extra capital to grow, even if they have poor credit, limited assets, or operate in industries that often struggle to access funding.

With flexible options and quick access to funds, a Business Cash Advance is a convenient choice for small and medium-sized businesses. Click here to apply today.

Business Cash Advance Explained

What is a Business Cash Advance (BCA)?

An amount paid to your business and to be repaid over a fixed time frame (typically 3 to 9-months) with a fixed fee.

Advance sizes for a BCA:

From £15,000 up to £250,000.

What security is needed for a BCA?

Personal Guarantees from all directors and in some cases, large shareholders.

Can my business apply?

  • Yes, if you’re a Limited company or a Sole Trader/Partnership
  • Yes, if you are registered in England, Wales, or Scotland.
  • Yes, if you do over £25,000 average monthly revenue
  • Yes, if there are no bankruptcies or disqualifications

What is the minimum information to apply?

  1. Company name / registration number
  2. 6-months company bank statements OR Open Banking
  3. Amount requested and reason for funds
  4. Homeownership details (address & mortgage value)

How fast can we fund?

From the point we have the minimum information package:

  • Indicative offer within 4-hours
  • Funding within 24-hours

How do repayments work?

Repayments are simple and tailored to your business through the following options:

  • Fixed repayments: Weekly payments at a set amount for predictable planning.
  • Revenue-based repayments: A percentage of your incoming sales, tracked directly through your bank transactions.
Apply Today

What You Can Do With A Business Cash Advance

Funding alternative has helped hundreds of UK businesses with a Business Cash Advance over the past few years. Whether you are a gym, in retail, a car dealership, restaurant or any other industry, we can assist!

£110,000 Business Cash Advance – Motor Trade Industry

One established car dealership approached us seeking £110,000 to expand vehicle stock levels and take advantage of several time-sensitive purchasing opportunities.

The result:

  • £110,000 approved to support vehicle stock acquisition.
  • Decision issued within hours of receiving the application.
  • Fully funded within 24 hours.
  • Client able to secure additional stock ahead of peak trading activity.
  • Funding structured around the business’s trading profile.
 

£15,000 Business Cash Advance – Retail Industry

One retail client approached us needing £15,000 quickly to secure additional inventory and maintain momentum.

The result:

  • £15,000 approved to support stock investment.
  • Offer issued just 28 minutes after receiving the application.
  • Fully funded the very same day.
  • Business able to secure inventory ahead of increased demand.

 

>> Learn More

£100,000 – Business Cash Advance

With January membership demand approaching, a gym needed capital quickly to expand its weights area and Pilates studios, allowing them to accommodate up to 50% more members during peak times and fully capitalise on seasonal momentum.

The result:

  • £100,000 released to fund expansion works immediately.
  • Increased capacity across weights and Pilates rooms.
  • Ability to maximise January sign-ups without operational strain.
  • Same-day approval and completion.

 

>> Learn More

Trusted Partners We Work With

WorldPay Partner

Exceptional payments technology and expertise for businesses.

Rated on Trustpilot

Positive reviews from businesses and brokers on TrustPilot.

Receipt Bot Partner

Receipt Bot converts PDF bank statements into structured data for analysis.

Transunion Partner

Transunion offers total credit protection all in one place from credit alerts, credit reports and credit scores.

Square Partner

Use Square to manage your cash flow, for checking and savings accounts and for small business operations.

Elavon Partner

Solutions built to meet your needs now and scale with your business as it grows.

SumUp Partner

Keep payments simple and reliable, so your business can keep the neighborhood buzzing.

Apply For Your Business Cash Advance

What UK Businesses Say About Funding Alternative

Excellent company
Excellent company, lovely people & very easy to talk to & arrange whatever you need to.
Spencer Shepherd
Excellent would recommend
Excellent service throughout process and top turnaround times
John Peter
Quick and Seamless Funding Experience
We needed cash fast to stock up before a busy season and these guys really came through. The whole thing was super straightforward. Applied, heard back quickly, and had the funds in a couple of days. Repayments were flexible too, which helped a lot. Honestly, smooth from start to finish.
Riletteain James
Broker Feedback
As a broker at FundOnion, I’ve worked with many lenders, and Funding Alternative is always a standout. Their quick turnarounds make a real difference for clients who need urgent funding.
What I appreciate most is their willingness to look beyond just the numbers and take the client’s backstory into account. They find solutions where others might not, giving businesses the opportunity they need to move forward.
It’s always a pleasure working with the team, and I’m looking forward to funding even more clients together!
Angelo Christodoulou
Needed quick funds for my business and…
Needed quick funds for my business and Funding Alternative delivered within 2 days! The team answered any question I had and seemed very friendly and patient with me. Highly recommend!
Ejoaon

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Apply online or call 0800 1026000 to set an appointment.

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Business Cash Advance News & Information

Newsletter Funding Insights | Funding Alternative
Business Cash Advance

August Newsletter

For businesses operating in property and estate-related sectors, having access to capital at the right time can be crucial.

Read More »
September 29, 2026 No Comments

We know the challenges entrepreneurs face because we’re entrepreneurs too. We’re more than a source of funding; we’re a partner who understands your vision and supports your ambition.

Our approach combines financial flexibility with genuine understanding and a human touch. It’s about more than just money, it’s about moving forward together.