Can I choose between monthly repayments and repayments based on card takings through UK Business Loans matches?

Short answer: In many cases, yes — but the choice isn’t made directly with UK Business Loans. We match your business to lenders and brokers who offer different repayment structures (fixed monthly instalments, merchant cash advances or turnover‑based collections). Which options become available depends on lender criteria, your business performance and the specific finance product. Ready to see which lenders could offer the repayment style you want? Get Quote Now.

How UK Business Loans helps you choose

We are an introducer only — we do not lend and we do not provide regulated financial advice. Complete a short enquiry and we will match your business with lenders and brokers that specialise in the finance you need and, where possible, offer the repayment style you prefer.

Our role is to make introductions based on the information you provide (turnover, sector, preferred repayment method). Lenders and brokers then review your details and present quotes — you decide whether to proceed. Submitting an enquiry does not affect your credit score.

Quick process:

1. Complete the quick enquiry form (takes 1–2 minutes) and state your preferred repayment type.
2. We match you with suitable lenders or brokers who may offer monthly or turnover‑based products.
3. Receive no‑obligation quotes, compare costs and terms, then choose.

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Common repayment options for fit‑out and business finance

When seeking finance for a fit‑out or premises refurbishment you’ll commonly encounter several repayment structures:

• Monthly repayments (term loans / asset finance): Fixed or variable monthly instalments over an agreed term — predictable budgeting.
• Card‑takings / turnover‑based repayments (merchant cash advance, revenue‑based finance): A fixed percentage or set amount is taken from card/EPOS takings until the advance plus a fee is repaid.
• Daily/weekly collections: Some MCA products collect a fixed or percentage amount daily or weekly.
• Hire purchase / lease: Typically monthly payments against equipment or fixtures; ownership may transfer at the end of the term.
• Invoice finance / overdrafts: Useful to support working capital alongside a fit‑out but repay via standard banking arrangements.

Which lenders offer turnover‑based repayments?

Turnover‑based products are usually provided by specialist merchant cash advance firms, alternative finance companies and fintech platforms that integrate with card processors. Many broker networks supply to these funders too. Not every lender accepts turnover collection; acceptance depends on your card processing history, sector and sales stability.

What matters to lenders when deciding repayment options (fit‑out specifics)

Lenders and brokers evaluate the fit‑out and your business using these core criteria:

• Turnover and card processing history: Critical for turnover‑based lenders — consistent card takings improve eligibility.
• Sector and sales stability: Seasonal or highly volatile sectors can affect both pricing and availability.
• Project details: Value and purpose of the fit‑out — a retail refit expected to drive sales is viewed differently to a cosmetic office update.
• Security and guarantees: Term loans often require security or personal guarantees for better rates.
• Supporting documentation: Quotes, contractor estimates, tenancy agreements or cash flow forecasts help speed approvals.

Tip: If your fit‑out is for a retail or hospitality business with strong card sales, lenders offering card‑takings repayment methods are more likely to consider your application.

Learn more about specialised options for a shop, office or restaurant refit on our fit‑out finance page: fit‑out finance.

Monthly repayments vs card‑takings repayments — pros & cons

Monthly repayments (term loans / asset finance)

• Pros: Predictable payments, easier budgeting, often lower cost for well‑qualified borrowers, a wide choice of lenders and term lengths.
• Cons: Fixed repayments must be met even in slow months; may require security; application checks can be more rigorous and slower.

Card‑takings / turnover‑based repayments (MCAs)

• Pros: Payments move with sales, easing pressure in slow periods; fast decisions and rapid funding; useful for seasonal businesses.
• Cons: Often higher effective cost (factor fees rather than APR), variable payments can complicate cashflow, may require control or split of card receipts and may conflict with processor terms.

Which repayment type is best for a fit‑out project?

Short answer: it depends on your business. Consider these scenarios:

• If the fit‑out is projected to increase sales quickly (new shop layout, improved experience), turnover‑based repayment can align repayments with rising takings.
• If you want predictable monthly budgeting and can secure a good rate, a term loan or asset finance is often cheaper long term.
• If the fit‑out is equipment‑heavy, hire purchase or asset finance keeps repayments monthly and preserves working capital.

How to increase the chance of getting your preferred repayment type

Follow these practical steps to improve matching:

1. On your enquiry, state clearly whether you want monthly, card‑takings or either repayment style. We’ll prioritise partners accordingly.
2. Provide recent bank statements and card processing reports (3–12 months).
3. Include contractor quotes, supplier invoices and tenancy agreements where applicable.
4. Be transparent about seasonality, peak trading months and any recent trading shocks.
5. Ask matched brokers for a full cost breakdown: factor fee vs APR, setup fees, holdbacks, merchant implications and early repayment terms.

Questions to ask lenders and brokers (checklist)

• Do you offer monthly instalment loans and/or merchant cash advances for fit‑out finance?
• How are repayments collected — via merchant account split, daily/weekly collections, or standard direct debit?
• What is the total cost and how is it calculated (APR or factor fee)?
• Are there early repayment penalties or settlement discounts?
• Will you require security, a personal guarantee or a director’s guarantee?
• How long does funding take and what documents are needed?

Get Quote Now — let us prioritise lenders who match your repayment preference.

Frequently asked questions

Q: Can I request only lenders who use monthly repayments?

A: Yes — indicate your preference on our enquiry form and we’ll focus introductions on lenders and brokers who specialise in monthly‑repayment products, subject to eligibility and your business profile.

Q: Will choosing turnover‑based repayments affect my card processor?

A: Potentially. Some funders require a split of card takings or a holdback. Always check with both the lender and your card processor to confirm that the arrangement won’t breach your merchant agreement or increase processor fees.

Q: Does submitting an enquiry affect my credit score?

A: No. Submitting an enquiry with UK Business Loans is a soft, no‑obligation step and will not affect your credit score. Lenders may carry out credit checks later if you move forward with an application.

Q: What loan sizes do you handle?

A: We typically arrange business finance from around £10,000 and upwards. For larger projects, we can introduce partners who handle higher value facilities.

Ready to compare repayment options for your fit‑out?

Tell us what you need and which repayment style you prefer. We’ll match your business with lenders and brokers that can offer monthly or card‑takings repayment structures where available. The service is free and there’s no obligation to proceed with any quote.

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– Can I choose between monthly repayments and card‑takings (turnover‑based) repayments when searching for fit‑out finance?
Often yes — UK Business Loans matches you to lenders and brokers offering both repayment structures, but final availability depends on lender criteria and your business profile.

– Will submitting an enquiry for a business loan affect my credit score?
No — submitting an enquiry with UK Business Loans does not affect your credit score; lenders may carry out credit checks only if you proceed with an application.

– How quickly can I get funding for a fit‑out through UK Business Loans?
You’ll usually get responses from matched lenders or brokers within hours, with funding timelines varying by product (MCAs can be very fast, term loans usually take longer).

– What documents do lenders typically need for fit‑out finance applications?
Lenders commonly request recent bank statements, card processing reports, contractor quotes, tenancy agreements and basic business information to assess eligibility.

– Which is cheaper for fit‑out finance: monthly term loans or card‑takings (merchant cash advance)?
Generally term loans are often cheaper for well‑qualified borrowers, while turnover‑based products typically cost more but offer repayment flexibility tied to sales.

– Can start‑ups, sole traders or limited companies apply for fit‑out finance via UK Business Loans?
Yes — we connect sole traders, start‑ups and limited companies with lenders and brokers who specialise in a wide range of business types and credit profiles.

– Will choosing turnover‑based repayments affect my card processor or merchant agreement?
Potentially — some funders require a split or holdback of card takings, so always check your merchant processor’s terms before accepting a turnover‑based arrangement.

– Do lenders require security or personal guarantees for fit‑out loans?
Some lenders may ask for security or personal/director guarantees for better rates or larger facilities, while unsecured options may be available at higher cost.

– What loan sizes can UK Business Loans help me find for fit‑out projects?
We typically introduce businesses to partners who handle loans from around £10,000 up to multi‑million facilities, depending on lender capacity.

– Is the enquiry form a formal application and does it cost anything to use UK Business Loans?
No — the enquiry form is not a formal loan application, it’s a free, no‑obligation way to be matched with trusted lenders and brokers who can provide quotes.