308 Twin Dolphin Dr #271, Redwood City, CA 94065
At Providus Trust, we provide business cash advance loans designed to help companies access working capital quickly and efficiently. Unlike traditional loans, a merchant cash advance offers a flexible funding solution linked to future card sales. This means repayments adjust with your revenue, giving your business room to breathe during slower periods while ensuring uninterrupted operations.
Our merchant cash advances are ideal for businesses in sectors like retail, hospitality, and services that experience seasonal sales fluctuations. Whether you need funds to purchase inventory, upgrade equipment, or manage day-to-day expenses, we provide a seamless, transparent process.
With minimal paperwork, fast approvals, and expert account management, we ensure you receive funding when you need it most. Providus Trust to deliver a cash flow solution that keeps your business moving forward, empowering you to focus on growth and long-term success.
When businesses need fast, reliable funding, Providus Trust is the partner to trust. We specialise in business cash advance loans designed to provide quick access to working capital. Our streamlined approval process ensures minimal delays, allowing you to secure the funds you need when it matters most.
We understand that waiting for traditional loan approvals can disrupt business operations. That’s why our merchant cash advances offer a faster alternative with flexible terms. Our dedicated team evaluates your application efficiently, focusing on your business’s potential rather than rigid credit requirements.
With Providus Trust, you’ll benefit from fast approvals, transparent terms and a funding solution built around your success. Let us help you seize new business opportunities without financial roadblocks.
At Providus Trust, we ensure that businesses understand the cost of business cash advance loans from the start. Instead of traditional interest rates, merchant cash advances use a clear factor rate system, allowing businesses to know the total repayment amount upfront. This straightforward approach removes uncertainty, making it easier to plan and manage cash flow.
The repayment structure is based on a percentage of daily card sales, meaning payments adjust according to business performance. Higher repayment percentages can result in lower overall costs, as the advance is repaid faster. Our team works closely with you to create a funding solution that balances affordability and flexibility, ensuring transparent terms tailored to your unique business needs.
Unlock your business’s potential with revenue-based funding from Providus Trust. Our business cash advance loans provide flexible funding linked directly to your daily card sales, making repayments manageable even during slower periods. This adaptive approach ensures you can access working capital without fixed monthly payments or rigid loan terms.
Whether you need funds for inventory, renovations or scaling-up operations, our tailored cash advances provide fast, reliable financial support. With approvals based on business performance rather than credit scores, we make securing essential funding straightforward and transparent.
Fuel your business growth today. Contact Providus Trust for a personalised funding solution designed around your business’s revenue.
A merchant cash advance is where a lender gives you an advance against your card takings. They will assess the value of transactions through your merchant account and from this data, make you a suitable offer.
What makes a merchant cash advance unique is the repayments. Unlike an unsecured business loan, you do not have a fixed monthly repayment but instead, you agree to a percentage of your card takings to repay the loan. This is typically 12-18% of your card takings. Therefore, if your MCA has repayments of 12% and you take £1,000,000 in a month, then you pay back 12% of the £1,000 being £120,000. If you take £500,000 then you only repay £60,000.
There are many different merchant cash advances in the marketplace and we can help you navigate through all the options available to find the best one for you.
This is great for smaller businesses affected by seasonal trading. If you have minimal card receipts in your low season, then because you only pay a % of these card receipts, the monthly repayments will also be minimal.
The total cost of the MCA is fixed and so there is no term to the loan as you simply continue to pay back the percentage of your card receipts until the loan is repaid whether that be 6 months or 2 years.
Merchant cash advances do not use interest rates. Instead, they use factor rates which range from 0.9 to 1.8. This means that if you have a factor rate of 1.2 for every £1,000,000 you borrow you will repay £1,200,000. This makes it very easy to understand exactly how much you will repay. The factor rate can be influenced by the percentage of your card receipts that you wish to repay. The higher the percentage the lower the factor rate as you will repay the loan quicker.
We will be able to structure the finance so that it best suits your funding requirements.
For a merchant cash advance, you will require a merchant account or ability to take card payments. Different lenders work with different merchant accounts and we will be able to quickly identify the lenders that you are eligible for. Once identified, we will require the following documents:
We will then be able to get an indicative offer for you within a few hours giving you the total cost and percentage of repayments you can expect to repay. We can also restructure these terms to best suit you. If you would like to proceed, you just need to e-sign the contract, confirm the funding with your merchant account provider and you will then receive the funds.
You can expect to receive the funds within 2-3 days.