Funding that flexes with your business
From merchant cash advances to term loans, we introduce you to FCA-regulated lenders and help you find funding that fits your cash flow.
A better deal on business funding
Growth, stock, equipment, refurbishment or simply smoothing seasonal cash flow — the right funding at the right moment can make all the difference. The wrong product can weigh a business down. We help you tell them apart.
We work with a panel of FCA-regulated lenders and match your turnover, trading history and needs to suitable options. Merchant cash advances repay as a small percentage of your card takings, so repayments flex with how busy you are. We lay out the real cost so there are no surprises.
The benefits
Fast decisions
Many applications receive a decision within 24–48 hours.
Repay as you trade
Merchant cash advances take a set share of daily card sales — quieter days cost less.
Regulated lenders
We introduce you to FCA-regulated funding partners, and tell you where to verify them.
Clear total cost
You see the full amount repayable up front, in plain figures.
Simple, transparent, handled for you
- 1
Tell us what you need
Amount, purpose and a snapshot of your trading is enough to begin.
- 2
We match lenders
We shortlist suitable products from our regulated funding panel.
- 3
Review your offers
Compare amounts, terms and total repayable with no obligation to proceed.
- 4
Get funded
Once you accept, funds are typically released quickly by the lender.
Why choose HappyBiz
We’re independent, so our only job is finding you the best deal — not selling one provider’s product. We do the maths at your real numbers, show our working, and only recommend switching when it genuinely saves you money. And because we’re paid by providers, our advice costs you nothing.
Business Funding: your questions answered
What is a merchant cash advance?
Do you provide the funding yourselves?
Will applying affect my credit?
How quickly can I be funded?
Other ways we can help
Ready to pay less on business funding?
A free, no-obligation review takes minutes. We’ll compare the market at your real numbers and show you exactly where the savings are.
Free · No obligation · Mon–Fri, 9am–5:30pm