Revenue-linked growth advances where repayments flex as a percentage of monthly revenue, not a fixed calendar schedule. For example, A £100,000 advance in return for 6% of monthly revenue, with a total repayable cap of £120,000 (1.2x) and no fixed term; the facility simply runs until that cap is reached. Our advances are structured as commercial receivables / revenue-share agreements with no fixed term or instalments, where repayments flex with performance so that if the business grows it repays faster, and if it slows, repayments ease. We describe this simply to SMEs as: “Grow-Now-Pay-Later: capital that moves with your turnover, not against it.”
Shared-outcomes: ● Repayments linked to actual cash inflows, reducing default pressure. ● Natural risk alignment: Our incentives are fully aligned to support the SME’s growth, not over-leverage it. Their cost remains a simple fixed fee; as the business grows they repay faster and our realised return improves → higher annualised ROI. ● We become a true growth partner: giving SMEs enterprise level insights and forecasting, wrapping funding with bad-debt and key-person cover, and using purpose-linked, ring-fenced disbursement plus data-driven decisioning to ensure capital is used wisely, not carelessly. ● Able to address business anomalies as close as 24-48 hours of red flag of sales drops or negative events due to our API integrations & dynamic data monitoring. ● Lower stress, lower repayment failures: Unlike banks, we collect repayments at or near source (card/acquirer, PSP, platform payouts, rent inflows), instead of demanding a fixed lump sum on a fixed date. You’re not relying on remembering to set money aside, only to find that day-to-day shocks and competing priorities mean the cash has already been spent, even though the intention to pay was there. That means fewer cash-crunch surprises and less stress for the business owner and, as a result, a lower risk of missed repayments for us, so both sides are protected in the dips and rewarded in the ups, reflecting a genuine shared-outcomes model.
