Put your firstrepayment on ice.on ice.

On the day your funds arrive in your business bank account. Not the day you apply, and not Black Friday. Your first repayment is due 28 calendar days after that, or on the next working day if it falls on a weekend or bank holiday in England and Wales.

28 calendar days after your funds arrive, or the next working day if that date falls on a weekend or bank holiday in England and Wales. Your first repayment can fall before, on or after Black Friday. Check your repayment date.

No repayments or monthly minimum payments are due during the hold. Your merchant cash advance (MCA) agreement will record the promotional repayment arrangements, including the first repayment date and the subsequent repayment schedule. After the hold, repayments follow the structure agreed in your MCA: a percentage of daily sales, subject to an agreed monthly minimum, or fixed weekly or monthly amounts. The hold does not increase your agreed funding fee or total amount repayable.

New UK eCommerce customers that sell physical products online, have traded for 12 months or more and turn over £20k or more a month.

Existing customers are excluded. Funding and the promotion are subject to our standard eligibility criteria, underwriting and approval. Your funding offer will confirm whether the promotion applies. This promotion cannot be combined with another offer.

Facilities run from £20k to £1m. We size yours using your sales, banking, accounting and inventory data.

One fixed fee, with no compounding. The 28-day hold adds no cost and does not increase your fee or total amount repayable. It defers your first repayment; it does not reduce or cancel any amount you owe. Your offer shows the fee, the repayment method and the full terms before you sign, so you know the total cost upfront.

Completed applications must be received between 16 October 2026 and 23:59 GMT on 25 November 2026. Your application must include all required information, documents and data connections. Starting an application, submitting an enquiry or booking a call does not qualify.

The final signing deadline is 23:59 GMT on 2 December 2026. This additional five-working-day period allows applications received before the closing deadline to progress through assessment, offer and signing. It is a fixed deadline, not five working days from the date of your offer. Any earlier acceptance deadline stated in your offer also applies.

A completed application does not guarantee approval or an offer before the signing deadline. Further information requested by our underwriting team after the application deadline will not, by itself, disqualify an otherwise completed application received on time.

Funds may arrive after the signing deadline, subject to your MCA and satisfaction of its funding conditions. The hold starts when your funds arrive.

Your application must be fully submitted, with all required information, documents and data connections in place so we can underwrite it and make an offer or decline. Starting an application or booking a call is not enough.

If those requirements are met before the deadline, further information requested by our underwriting team afterwards will not, by itself, disqualify your application.

Start online, connect your data through a read-only connection, and we'll come back with a decision, typically within 24 to 72 hours. Prefer to talk first? Book a call.

No. There's no personal guarantee and we take no equity.