Product
Three working-capital products. One application.
Connect your accounting software once. We match you to invoice advance, short-term loans, or card-sales finance — based on your real numbers.
Which product fits your business?
Invoice Advance
The right fit when you have unpaid invoices to UK business customers and want to bring forward the cash you've already earned. We advance up to 90% of an invoice within 24 hours; you repay when your customer pays. Single invoices from £2k to £100k. Indicative pricing: a one-off discount fee of 1–4% per invoice depending on debtor strength and payment terms — no fixed contract.
Short-term Loans
The right fit when invoice advance doesn't apply — you're a sole trader without qualifying invoices, or your funding need isn't tied to a specific debtor. Borrow up to £250k and repay over 3 to 24 months on a fixed schedule. Indicative pricing: a flat monthly cost, with the headline APR depending on term length and trading history.
Card-Sales Finance
The right fit for retail, hospitality, and e-commerce businesses with regular card revenue. You receive a lump sum up front and repay automatically as a small percentage of each day's card takings. Indicative pricing: a fixed factor rate on the advance amount — repayment scales with your sales, so quiet weeks cost less.
Step by step
Connect your accounting software
We use official OAuth with Xero, Sage Business Cloud, QuickBooks Online UK, and FreeAgent. CashGap only reads your invoices, customers and payment history — we never create, edit or delete data.
We score you against the lender panel
Our engine scores your business profile and every outstanding invoice against our lender panel for all three products: invoice advance, short-term loans, and card-sales finance. You see which products you qualify for and the indicative terms.
You choose what to take
Pick the product and offer that fit. See the estimated funded amount and fee before you commit. No obligation to take any offer matched.
Lender funds you directly
We introduce you to the best-fit lender from our panel for the product you chose. They do their own credit decisioning and, if approved, pay funds into your bank account — invoice advances typically clear within 24 hours; short-term loans and card-sales finance within a few days.
You repay on the product's terms
Invoice advance: your customer pays you, you settle with the lender. Short-term loan: fixed monthly repayments. Card-sales finance: a small percentage of each day's card revenue. CashGap earns a commission from the lender on each funded deal — not from you.
What CashGap is not
CashGap does not lend money, does not offer credit, and does not make credit decisions. CashGap is not authorised by the Financial Conduct Authority. Finance is provided by our partner lenders on their own terms.