Repayments that rise and fall with your takings
Take a lump sum today and repay it as a small share of daily sales, more when you’re busy, less when you’re not. Seeing your offers is a soft search with no effect on your credit score.
Repayments that breathe with the week.
A fixed instalment draws a flat line through your calendar and stays there whether the tills were busy or empty. A revenue advance draws the same shape as your trade, just smaller. Strong week, more goes out. Quiet week, less does.
No date to defend
There is no single monthly figure that has to be found by a set day. Collection happens automatically as takings come in, in step with them.
A slow stretch moves the finish line
Because the share is proportional, a quiet run takes longer to clear rather than tripping a missed payment. The agreed total itself does not change.
Flexibility has a price
That shape is genuinely useful, and it is not free. It is why the total cost, not the convenience, is the number worth comparing.
An advance, one agreed cost, and a share of the till.
This is not a loan with an APR and a fixed end date. You receive an amount today and agree to repay a larger amount over time, with the timeline driven by your sales. Four moving parts, and every one of them is set before you sign.
You receive an amount today
Sized against how much your business takes and how steadily, most often around a month or so of takings. The stronger and more consistent the trade, the larger the amount tends to be.
One cost, agreed up front
Rather than interest building over time, the cost is usually a fixed multiplier set at the start, a factor rate. The total you will repay is known from day one and does not grow if the advance takes longer to clear.
A set share of each day or week
That agreed percentage is collected automatically from your card takings until the advance and its cost are cleared. A higher share clears it faster and takes more out of daily cash; a lower one is gentler and takes longer.
A timeline, not a term
Because repayment tracks revenue, the end date is an estimate rather than a fixed schedule. Quiet trading stretches it out, a strong run pulls it in.
Because the cost is a multiplier rather than a rate, it does not sit next to a term loan on the same scale. Compare the total repayable against the total repayable of the other shapes on the table before you decide, alongside every other funding type Capvant covers.
Compare offers on the total repayable rather than the share, and looking is a soft search.
Businesses whose week has a shape.
This product reads what comes through your card terminal and your online checkout, so it suits trades where money arrives daily and unevenly. The bigger and steadier the flow of takings, the more there is to work with.
Hospitality
Weekday quiet, weekend rush, and a season that decides the year. Repayments that ease off midweek sit far better than a date in the calendar.
CARD-LED TRADERetail and salons
Counter and chair-side takings arrive daily, which is exactly the rhythm this product is built to read. Stock or a fit-out can be funded ahead of the takings that pay for it.
DAILY TAKINGSE-commerce
Payouts land through your payment provider on their own cadence, and a promotion or a launch can move a week sharply in either direction.
ONLINE PAYMENTSSeasonal trade
The busy weeks have to be bought weeks before they pay for themselves. A share of revenue is light in the run-up and heavier once the season lands.
UNEVEN BY NATUREMost advances of this kind are unsecured, so you are generally not putting up property or equipment, though some funding partners ask for a personal guarantee on larger amounts. Eligibility leads on revenue: a few months of trading history, steady takings above the partner’s minimum, and recent bank or card-processing statements. Credit is still considered, usually weighted less heavily than the sales.
Sometimes another shape is simply cheaper.
A revenue advance buys flexibility, and flexibility is worth paying for only when you actually need it. These are the cases where we would point you elsewhere, and one request puts those options on the same table anyway.
The spend is large, planned and long-lived
A term loan usually costs less across a multi-year project, because you are paying for a fixed schedule rather than for flexibility. Compare term loan offers.
You need standby money, not one lump sum
A line of credit sits there unused until you draw on it, and you pay on what you use rather than on a whole advance you took in one go. Compare credit facilities.
The problem is always the unpaid invoices
If you bill other businesses on terms rather than taking payment at the point of sale, invoice finance matches that gap far more closely. Compare invoice finance.
Margins are thin and a daily share would bite
If a slice off every day would strain the operation, say so early. Working capital on a monthly shape may fit the business better. Compare working capital.
The cost is one defined bill over a few months
A short-term loan with a set schedule is usually the cheaper answer, because you are not paying for flexibility you will only use once. Compare short-term business loans.
One more worth saying plainly: taking a second advance on top of a live one, sometimes called stacking, is a common way this kind of funding goes wrong. If you already have an advance running, look for an offer that replaces it cleanly rather than one that piles on top of it.
Pick the range you have in mind and see every shape it could take, not just this one.
Looking is a soft search
Comparing advance offers leaves no mark on your credit file. A full credit check only happens if you decide to accept an offer.
NO CREDIT-SCORE IMPACTOne request, offers that compete
Your request goes out once across a network of funding partners instead of you repeating it. Offers typically come back within hours.
ONE FORMCapvant is not the lender
We do not fund, set the cost or make the decision. That sits with the funding partner whose offer you choose, and is subject to approval.
THE CHOICE STAYS YOURSThe full path, from the first question to funds in the account, is set out on how Capvant works.
Frequently asked questions
What is revenue advance?
Take a lump sum today and repay as a small share of your daily card and bank takings. Through Capvant you compare revenue advance offers from multiple funding partners in one place, then choose what works for your business.
How much can I borrow?
Amounts depend on your trading history, turnover and the offers our partners make. Many businesses access £5,000 to £500,000 and beyond.
Will checking my options affect my credit score?
No. Seeing your options through Capvant is a soft search, so it leaves no mark on your credit file. A lender only runs a full credit check if you decide to accept an offer.
Is Capvant a lender?
No. Capvant is a funding marketplace, we match you with funding partners and you choose the offer that suits you. Funding decisions, rates and terms are set by the lender, subject to approval.
How fast can I get funded?
Once you accept an offer, many businesses receive funds within a few working days, some products fund same day.
See what revenue advance offers look like for you.
One request, competing offers side by side on total cost, and a soft check that leaves your credit score exactly where it is.
No obligation. Checking your offers won’t affect your credit score.
Disclaimers & footnotes
- 1Capvant is a funding marketplace, not a lender. We match business owners with third-party funding partners; we do not make credit decisions, lend money, or set rates or terms. All funding decisions, rates, terms and approvals are made solely by the lenders in our network, subject to their criteria.
- 2Checking your options through Capvant does not affect your credit score. A lender may carry out a soft or hard credit search depending on the product, stage and your consent. A full hard credit check is only carried out where required by a lender before you proceed.
- 3Funding speed, including any reference to funding in as little as 24 hours, is typical for some products and lenders and is not guaranteed. Actual timescales depend on the lender, the product, and how quickly requested information and documents are provided.
- 4Funding amounts and ranges are indicative only and vary with your business profile, trading history, the lender and the market. Figures shown are not an offer of finance and do not guarantee any particular amount, rate or approval.
- 5Any offers, rates or repayment figures shown in illustrations or examples are for demonstration only and are not real quotes. Your actual offers, if any, are provided by lenders and are subject to approval.
- 6Product availability varies by market. Some products are only available in certain countries. Capvant currently serves businesses in the United States and the United Kingdom.
Capvant is not a lender and does not make credit decisions, we introduce businesses to third-party funding providers. Capvant is not authorised or regulated by the Financial Conduct Authority (FCA).
Capvant does not compare every lender, broker, funding product or offer available in the market. We only show options from funding partners in our network that may be relevant based on the information you provide.
Capvant may receive compensation from lenders, brokers, funding partners or referral partners when a customer is introduced, approved, funded or takes another qualifying action. This compensation does not guarantee that any lender will approve an application or offer specific terms. Capvant does not charge business owners a fee to compare funding options unless clearly stated otherwise.
If you access Capvant through a partner, introducer or embedded funding page, that partner may receive a referral fee or commission if your request results in funding. This does not increase your cost unless expressly disclosed.
Capvant is intended for business-purpose funding only. Eligibility may depend on entity type, location, trading history, revenue, industry and lender criteria. In the UK, Capvant currently focuses on limited companies, LLPs and plcs, and does not currently support sole traders or ordinary partnerships.
Information on Capvant is general information only and is not financial, legal, tax or accounting advice. You should consider whether funding is suitable for your business and seek professional advice where appropriate.
Calculators, eligibility checkers and funding-readiness tools are estimates only. They are based on limited information and assumptions, and do not represent a credit decision, quote, approval or recommendation.
Company information may be sourced from public registers such as Companies House, or from information you provide. Public register data may be incomplete, delayed or inaccurate and should not be treated as a full credit assessment.
The Business Credit Score by Capvant is an independent statistical assessment based on public register data. It is not provided by a credit reference agency and may differ from scores used by individual lenders.
By submitting an application or funding request, you authorise Capvant to share relevant business, owner, request and document information with funding partners, service providers and introducers where necessary to process your request, subject to our Privacy Policy.
Some US commercial financing offers may be subject to state-specific disclosure requirements. Where required, additional disclosures will be provided and must be accepted before a transaction is finalised.