A café
New coffee equipment and an outdoor seating area before summer.
Business Funding · Merchant Cash Advance
Business funding, decided within hours.
As the official partner of JK Commercial Savings Ltd, we introduce businesses to funding provided by 365 Finance: a merchant cash advance, repaid as a share of your card takings. We come to you, go through the application together, and you'll have a decision within hours of a complete application.
Who can apply
Built around how you trade on card.
The funding is based on your card takings rather than property or personal guarantees of the usual kind. Any business with a card-processing history can potentially qualify, subject to lender criteria.
It suits businesses that take card payments every day: cafés, restaurants and pubs, shops, salons and clinics, and trades that take payment by card.
How it works
We sit down with you.
- A conversationTen minutes on the phone to see whether funding fits.
- A visitWe come to you. You show us around and tell us what you want to do with the funding, and we go through the application together.
- A decisionWithin hours of a complete application. The clock starts once the lender has everything it needs.
- Clear termsIf you're offered funding, we explain what it costs and how it's repaid before you sign anything.
What businesses use it for
Funding for things that grow the business.
Illustrative uses, not client stories.
A shop
Stock bought in bulk ahead of the Christmas season, at a better price.
A salon
A refit and two extra chairs to take more bookings.
A pub
A kitchen upgrade so food can run seven days a week.
A trade business
A second van and the tools for the person who drives it.
Any business
Working capital to smooth the quiet months.
The partnership
Saynor and JK Commercial Savings.
JK Commercial Savings manages the relationship with the lender and the funding process. We recruit, train and manage the people who sit down with you. One team, from the first conversation to a decision.
By business
Funding for your kind of business.
Restaurants and cafés
Kitchen equipment, outdoor seating, refits and a second site.
Pubs and bars
Kitchens, beer gardens, refurbishments and stock.
Salons and clinics
Extra chairs, treatment equipment and refits.
Shops and retailers
Seasonal stock, refits and new systems.
Merchant cash advance explained
How it works, what it costs and how it compares with a loan.
Sheffield and South Yorkshire
Local visits across the city and the county.
Questions
Frequently asked questions.
What is a merchant cash advance?
A lump sum for your business that you repay as an agreed share of your future card takings, rather than in fixed monthly instalments. When trade is busy you repay faster, and in quieter weeks you repay less. Read how it works.
How quickly will I get a decision?
Within hours of a complete application. The clock starts once 365 Finance has everything it needs, which is why we go through the application with you in person.
What does it cost?
The cost is a fixed amount agreed before you sign, so you know the total you will repay from the start. If you are offered funding, we explain what it costs and how it is repaid before you commit.
Which businesses can apply?
UK businesses that take card payments regularly, such as restaurants, cafés, pubs, shops, salons and clinics. Funding is subject to status and lender criteria.
Do you cover my area?
We are UK-based, with agents across the country who visit businesses in person.
Saynor Sales Solutions is not a lender and is not authorised by the Financial Conduct Authority. We introduce businesses to commercial funding options through our partnership with JK Commercial Savings Ltd. Funding is provided by 365 Finance and is subject to status and lender criteria. Approval and amounts are not guaranteed. A decision is not a payment: the time to receive funds after acceptance is separate. We and JK Commercial Savings receive commission from the funding provider when funding completes, and we will tell you about it before you apply.