Flexible funding solutions tailored for UK SMEs
Could flexible funding help accelerate your 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 Does Business Funding Work?
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
Flexi 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 – Flexi credit (A revolving credit facility)
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.
Flexi 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
Flexi credit is a revolving credit facility that allows you to access funds up to an approved limit and only pay for what you use.
Draw – Repay – Reload
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
Explore the CreatePay Platform
CreatePay provides a complete suite of payment, EPOS, and business growth solutions designed to help small businesses accept payments, manage operations, and increase profitability.
CreatePay One
Simple, Reliable Card Payments for Small Businesses
CreatePay One is a fast, secure card machine designed to help small businesses accept contactless, debit, and credit card payments with ease. It provides reliable performance, quick transactions, and a professional payment experience for everyday business use.
Best for: Businesses looking for a simple, dependable card payment terminal
CreatePay One Pro
Portable Card Machine with Built-In EPOS System
CreatePay One Pro is a compact POS device and card machine with built-in EPOS capability, designed for businesses that need to take payments on the move. This lightweight EPOS solution combines secure card payment processing with simple sales and product management, giving you the essentials of an EPOS system without the complexity of a full setup.
Ideal for mobile businesses, pop-ups, events, and service-based teams, CreatePay One Pro connects via Wi-Fi and 4G to keep you selling anywhere. With secure transactions, fast settlement, and an easy-to-use interface, it’s the perfect on-the-go EPOS and POS terminal for businesses that need flexibility without compromise
Best for: Hospitality, table service, and businesses needing portable EPOS
CreatePay Touch
CreatePay Touch is a smart, flexible EPOS solution designed to power everyday business payments.
Built on Android, CreatePay Touch combines a modern EPOS system with a fast, reliable card machine, giving you everything you need to accept card payments in one compact POS terminal. With integrated Wi-Fi and 4G connectivity, you can take payments in-store, at the counter, or on the move without relying on a fixed setup.
Secure card payment processing, end-to-end encryption, and rapid next-day settlement ensure your transactions are protected and your cash flow stays healthy. Whether you’re a retail shop, hospitality business, or service provider, CreatePay Touch delivers a dependable EPOS solution that keeps your business running smoothly.
Best for: Retail, salons, cafes, and fixed checkout environments
Create Funding
Fast, Flexible Funding Based on Your Card Sales
Whether you want to keep your cash flow smooth, buy new stock, or just get your machinery fixed – our Merchant Cash Advance Business Funding product Create Funding has got you covered.
Funding from £1,000 to £1,000,000, no hidden fees, ever, and dedicated customer support.
Grow your business with CreatePay Merchant Cash Advance Business Funding.
Best for: Businesses looking to grow, invest, or improve cash flow
Create Commerce
Online Payment Solutions for Websites and E-commerce
Create Commerce allows businesses to accept secure online payments through their website, payment links, or remote checkout. Designed for flexibility and ease of use, it helps businesses sell online, invoice customers remotely, and expand beyond in-person payments.
Best for: Businesses selling online, sending payment links, or accepting remote payments
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.
