For Businesses
Merchant Cash Advances
Repay from card takings — indicative factor-rate pricing.
A merchant cash advance provides an upfront lump sum repaid as a fixed percentage of your future card sales. Pricing uses a factor rate (typically 1.15x to 1.5x of the advance) rather than an APR; the figure shown is an APR-equivalent indicative reference only.
Suited to retail and hospitality businesses with regular card revenue. Indicative advance of £5,000 to £250,000, repaid flexibly with the takings over roughly 12 to 36 months. Amounts, factor rates, and repayment share shown are indicative; final terms depend on card-turnover history and are set at underwriting.
Indicative product information. All financing subject to credit assessment, eligibility, and Goldcrest Financial Planning Limited's underwriting standards. FRN 810649.
Key Terms
- Indicative rate
- From 30.00%
- Amount
- £5,000 – £250,000
- Term
- 12 – 36 months
Indicative pricing — final rate subject to credit assessment.
Payment Calculator
Estimate your payments
Adjust the figures within this product’s range to see what you would pay approximately each month — indicative only.
Monthly payment
You would pay approximately
£559.13 /month
- Total repayable
- £13,419.12
- Total interest
- £3,419.12
Indicative and illustrative only — this is not an offer or a quote. Final amounts are subject to credit assessment and Goldcrest Financial Planning Limited's underwriting standards. FRN 810649.
Eligibility
Who can apply
Registered UK business with regular card takings, trading 12+ months, completed KYC/KYB, subject to turnover and credit assessment.
FCA-regulated through Goldcrest Financial Planning Limited (FRN 810649). Subject to credit assessment and underwriting standards.
How to apply
From account to decision in four steps.
Open an account
Register in minutes and choose a loan customer account.
Complete KYC
Verify your identity digitally — passport, licence, or proof of address.
Submit application
Apply for this product with a guided, fully digital form.
Receive decision
Our team reviews your application and returns an indicative decision in days.
Related Products
You might also consider
Get Started Today
Build with confidence. Borrow with clarity.
Whether you're financing growth or growing wealth, Crest Rock supports you with FCA-regulated solutions.
FCA Authorised · Segregated Accounts · No Hidden Fees