Access Working Capital
On Your Terms
Cash Advances repaid from your daily card sales, or a Flexi Loan you draw when you need it. Three trusted partners, one platform. From GBP 1,000 to GBP 1,000,000.
How It Works
Apply
Tell us about your business. Check your eligibility and see your options directly in the Teya App or Business Portal.
Get Funded
Once approved, receive your funding typically within 24 hours. Cash Advances from GBP 1,000 to GBP 1,000,000.
Repay from Sales
Cash Advance: a fixed percentage of daily card sales. Flexi Loan: monthly repayments with interest only on what you draw.
Our Funding Partners
We work with three trusted providers to offer flexible, transparent funding tailored to your business.
Liberis
Established UK business cash advance provider
Cash Advance Range
GBP 1,000 to GBP 1,000,000
Based on your monthly card turnover
Repayment
Flexible, Sales-Linked
No fixed monthly payments. Repay as a small percentage of daily card sales.
How It Works
One fixed fee agreed upfront. No interest, no APR.
Why Liberis?
- No fixed monthly repayments
- Quick, straightforward application
- Repayment scales with your revenue
- Renewals from 50% repaid
YouLend
Global embedded finance, 350,000+ SMEs funded
Cash Advance Range
GBP 1,000 to GBP 1,000,000
90% approval rate, same-day funding once approved
Repayment
You Choose the Speed
Quick (20%), Moderate (15%), or Gradual (10%) of daily card sales
Renewals
85% of merchants renew. Top up available from 50% repaid. 4.8 Trustpilot rating.
Why YouLend?
- 90% approval rate
- Same-day funding once approved
- 85% renewal rate
- Soft credit check only
Flexi Loan via iwoca
Revolving credit line — like a business overdraft, draw what you need
Credit Limit
GBP 1,000 to GBP 500,000
Interest
From ~1% per month
Only on what you draw
Documents
None under GBP 25K
Bank statements for larger amounts
Early Repayment
GBP 0 fees
Repay anytime, no penalty
How It Works
- Draw funds when you need them, repay, and draw again
- Monthly repayments over 12-24 months
- Available to UK limited companies including startups
- You can have a Flexi Loan and a Cash Advance at the same time
Who Can Apply?
You Must Have
- At least 86 days of trading history
- Minimum GBP 1,000 monthly card turnover
- 10 or more transactions per month
- Valid UK business registration
Exclusions
- Gambling or gaming businesses
- Adult content industries
- Cryptocurrency or forex trading
- Active County Court Judgments (CCJs)
Frequently Asked Questions
Common questions about Cash Advances, Flexi Loans, eligibility, and repayment.
Check Your Funding Options
Use our calculator to see estimated advance amounts and repayment terms based on your card turnover.