How to bridge short-term cash gaps without slowing the business

At Lopay, we’ve partnered with YouLend to offer Merchant Cash Advances to eligible merchants: fast, flexible funding based on your trading history, not a bank queue.
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What Is a Cash Advance?

A cash advance is lump sum of funding you repay as a percentage of your future card takings, automatically, over time.

One fixed fee agreed upfront, so you know exactly what you’ll repay before you commit. No monthly instalments, no bank meetings, no surprises.
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Why More Small Businesses Are Skipping the Bank

A bank loan means weeks of forms and waiting. You need the money now, to restock before the weekend, take on staff before your busiest month, fix the kit that’s slowing every job down.

With Lopay’s cash advance, funding lands in your account within a few days. And repayments flex with your revenue: a little more when business is good, a little less when things are quiet. Very different from a fixed bank repayment that doesn’t care whether you’ve had your best week or your slowest.
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How Lopay Cash Advance Works

Once you’re eligible, your offer appears in the Lopay app. Go to ‘My Account’ and tap ‘Need some capital?’ Confirm your details, choose your amount and that’s it. Money arrives within a few days.

Repayments come out automatically as a percentage of your weekly Lopay earnings. It runs quietly in the background. Nothing to manage.
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A Café Owner, Late April, a Gap She Couldn’t Afford to Ignore

Sarah runs a café in a market town. Summer footfall doubles. She knows that if she can get the outdoor seating sorted and bring on an extra pair of hands before the bank holidays, the season pays for itself.

The problem: a quieter winter means the cash hasn’t landed yet. A bank loan would take weeks she doesn’t have.

She checks the Lopay app. Eight months of trading, £12,000 monthly revenue, an offer waiting. She applies in minutes, picks £8,000, and has it in her account within days. Seating sorted. Staff on. Full capacity for the bank holiday weekend.

Repayments tick out through the summer. By September it’s paid off and the season more than covered it.
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Frequently Asked Questions

What is a  cash advance?

A cash advance is a sum of funding repaid as a percentage of your future card sales. With Lopay you pay a single fixed fee rather than interest, so you know the full cost upfront. It’s faster and more flexible than a traditional bank loan for most small businesses!

How quickly can I get funding through Lopay?

Once approved, funding lands in your account within just a few days. The application takes minutes in the Lopay app, no negotiations, no long wait times. You just need at least three months of trading history with Lopay to be eligible.

How do repayments work?

Repayments are deducted automatically as a percentage of your weekly Lopay earnings.
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Ready to Bridge the Gap?

If there’s a gap between where your business is now and where it could be, a cash advance could be the bridge. Open the Lopay app, head to ‘My Account’, and see what you’re eligible for.

Not on Lopay yet? Get started at lopay.com no contract, no monthly fees, just 0.79% per transaction and everything you need to grow.