Flexible funding solutions tailored for UK SMEs
Flexible Funding tailored to growth
Access funding offers from up to three UK providers.
At CreatePay, we’ve built a smarter way for small and medium-sized businesses to access capital. Instead of only being provided a single funding option, you can compare multiple offers and choose the solution that best fits your cash flow, growth plans and repayment preferences.
Whether you want to keep your cash flow smooth, buy new stock, or just get your machinery fixed – our Business Funding options within Create Funding has got you covered.
Funding from £1,000 to £1,000,000, no hidden fees, ever, and dedicated customer support.
Check your potential funding eligibility
Adjust the sliders to estimate the maximum you could be eligible for.
Indicative only. Eligibility typically requires trading > 4 months and > £1,000/month in card transactions. Actual offers depend on further checks.
How Business Funding Works
1. Explore Your Funding Options
We present up to three trusted UK funding providers, showing you clear information about how each option works – including repayment structures and typical criteria.
2. Compare & Choose
Review the details and decide which provider best suits your business needs, cash flow and growth plans.
3. Apply Directly
Submit your application directly with your chosen provider to see how much funding you could receive.
4. No Credit Score Impact
Initial enquiries do not affect your credit score. If one provider is not suitable, you are free to apply with another.
Simple. Transparent. In your control.
Create Funding Business Suite
Product type
Access amount
Repayment method
Funding Structure
Revolving credit
Up to £350,000
Flexible repayments from business bank account
Ongoing credit line that can be reused
Merchant Cash Advance
Up to £1,000,000
Pre-decided fixed percentage of daily card sales
One-time lump sum advance
Merchant Cash Advance
Up to £1,000,000
Pre-decided fixed percentage of daily card sales
One-time lump sum advance
Product Type – Revolving credit
Access amount – Up to £350,000
Repayment method – Flexible repayments from business bank account
Funding Structure – Ongoing credit line that can be reused
Product Type- Merchant Cash Advance
Access amount – Up to £1,000,000
Repayment method – Pre-decided fixed percentage of daily card sales
Funding Structure – One-time lump sum advance
Product Type- Merchant Cash Advance
Access amount – Up to £1,000,000
Repayment method – Pre-decided fixed percentage of daily card sales
Funding Structure – One-time lump sum advance
When Is Revolving Credit or Merchant Cash Advance Right for Your Business?
Not all business funding works the same way. If your revenue fluctuates month to month, flexible funding like revolving credit or merchant cash advance (MCA) could be a better fit than a traditional fixed loan.
Revolving Credit May Be Right for You If:
You want access to funds when you need them, without reapplying
Your cash flow varies throughout the year
You prefer flexibility rather than a fixed repayment schedule
You want to draw down smaller amounts over time
You value having a funding facility in place for opportunities or emergencies
Revolving credit allows you to access funds up to an approved limit and only pay for what you use.
Merchant Cash Advance May Be Right for You If:
You process regular card payments
Your sales fluctuate seasonally
You want repayments linked to your daily card takings
You prefer repayments that adjust with your turnover
You need funding quickly without fixed monthly instalments
With merchant cash advance, repayments are typically taken as a percentage of your card sales, meaning you repay more when business is strong and less when it’s quieter.
Why Compare Business Funding Providers
Every business is different – so why accept a one-size-fits-all funding solution?
By comparing multiple providers, you can:
Access competitive funding offers
Choose repayment terms that suit your cash flow
Compare total cost and speed of funding
Secure funding aligned with your industry
Avoid being limited to a single lender’s criteria
This approach gives UK businesses more control, more flexibility and more confidence.
Funds in as little as 24 hours
With CreatePay, there is no waiting days, weeks or even months for vital business funding sometimes associated with other finance products.
Once your application is approved, funding could be with you in as little as 24 hours.
A merchant cash advance business funding solution designed to help small businesses all across
How does Merchant Cash Advance work?
1.
Apply in just a few minutes, and receive a quote based on your card transactions.
2.
Agree on your advance size and fixed fee upfront. Unlike traditional lenders, there’s no interest. Just one fee that doesn’t change.
3.
Once approved, funds could be in your account in 24 hours.
4.
Pay for your funds automatically using a percentage of your daily revenue. When a customer uses their card at your business, a percentage of the sale goes toward paying for your advance automatically, and the rest goes into your bank account.
How does multifi revolving credit work?
1.
Answer a few quick questions and Instantly see your indicative limit online.
2.
Formally apply by submitting business information and connecting open banking
3.
Eligibility is checked, and the credit limit is calculated. A formal offer will be sent (usually within 48 hours).
4.
Sign your contract and start using credit.
FAQ's
Your business could be eligible for funding if you have been trading for longer than 4 months and process more than £1,000 per month via card transactions.
Unlike traditional loans, you get 1 fixed fee. The fixed fee will be based on the advance amount and time of repayment.
No, revenue finance does not affect your credit score.
Funding Your Small Business, Made Easy
Explore our helpful guides, tips, and insights on small business funding. Whether you need extra cash flow, want to fund growth, or simply stay on top of your finances, we’ve got everything you need to help your business thrive.
