Business Funding

Running a business costs money

Running a business means there is always something competing for your attention financially. Even profitable businesses can find themselves under pressure when money is tied up elsewhere. For companies that rely on card transactions and online payments, whether you need to buy stock ahead of a busy period, invest in new equipment, cover a refurbishment or simply keep cash flow healthy while you wait for invoices to clear, there are times when having access to the right funding can make all the difference.

The difficulty is that finding the right funding is not always straightforward. Traditional banks can be slow to respond, applications often involve a large amount of paperwork and lending decisions do not always reflect how modern businesses actually operate. Many business owners do not have the time to spend weeks waiting for updates or sitting through lengthy application processes, especially when the money is needed quickly.

We think there is a better way.

How We Help

At Modern World, we work with multiple trusted UK lenders to help businesses find funding options that suit the way they trade. Because we are not linked to one lender, we are able to compare different offers and focus on finding options that genuinely fit your business rather than promoting a single provider.

It is the same approach we take with our online payments and payment solutions. Every business works differently, so we take the time to understand what you need before recommending the best option. Some businesses need quick access to working capital, while others want a more flexible way to manage ongoing costs. Our role is to help you understand what is available and make the process simpler.

The application process is designed to be quick and straightforward. In many cases, applications can be completed in less than 10 minutes, with lenders reviewing information digitally rather than relying on piles of paperwork. Depending on the product and your circumstances, funding can often be approved and paid within a matter of days.

Our Funding Options

We currently offer two funding routes, each designed for different business needs and trading styles. Both are available to existing Modern World merchants as well as new customers looking for flexible business funding.

Merchant Cash Advance

A merchant cash advance lets you borrow a lump sum and repay it automatically as a small, fixed percentage of your daily card sales. There are no fixed monthly repayments, no interest rates ticking away in the background and no penalties if you have a quiet week.

Rather than dealing with fixed monthly repayments, repayments rise and fall alongside your revenue. For businesses with seasonal trade or fluctuating income, this can make managing repayments feel far more realistic. During busier periods, more is repaid automatically. If trade slows down, repayments reduce as well. There is no need to worry about finding the same fixed amount every month regardless of how the business is performing.

This option is commonly used by businesses such as restaurants, retail shops, salons, cafes and hospitality venues that process regular card and online payments. Funding amounts typically range from £5,000 to £200,000 depending on average card turnover and business performance.

Because we work with multiple lenders, we can compare available offers on your behalf and help you review the options clearly before making a decision.

Capital On Tap

Capital On Tap offers a different type of flexibility. Instead of taking a single lump sum loan, businesses are given access to a revolving credit facility that can be used when needed. You can draw funds as required and only pay interest on the amount you actually use. That means if the credit facility is sitting unused, there is nothing extra to repay.

For many businesses, this works well for ongoing cash flow management. It can help cover stock purchases, supplier costs, unexpected repairs or short term gaps without needing to submit a completely new application every time additional funds are required.

Businesses handling regular online payments often prefer having this kind of flexibility available because costs can change throughout the year. Having access to extra working capital when needed can provide reassurance without committing to a traditional long term loan structure.

Which Option Is Right for You?

The right funding option depends on how your business trades and what you need the money for.

If your business takes a strong volume of card and online payments and you would prefer repayments that move alongside your sales, a merchant cash advance could be a suitable option. Many businesses like the flexibility because repayments naturally adjust during quieter periods.

If you would rather have access to a credit line that you can use only when necessary, Capital On Tap may be a better fit. It offers more flexibility for businesses that want ongoing access to funds without borrowing a large amount upfront.

If you are unsure which option makes the most sense, we can talk you through the differences using your trading figures and business goals. The aim is to help you make an informed decision based on what works best for your business rather than pushing you towards a particular product. There is no no hard or obligation, just honest advice.

Why Get Funding Through Modern World?

There are many business funding providers available, but comparing options yourself can quickly become time consuming and confusing. We aim to make the process clearer and easier to manage.

We are lender agnostic: Because we are lender agnostic, we compare funding options across multiple providers rather than limiting you to a single lender. That gives you more choice and a better chance of finding funding that suits your business properly.

It is fast: The process is designed to move quickly. Applications are digital and much of the assessment process is handled electronically, helping reduce delays and unnecessary paperwork. Many businesses receive offers within 24 to 48 hours.

We already know your business: For existing Modern World merchants, the process can often be even smoother. Because lenders can review your payment and trading history through our platform, they are able to build a clearer picture of how your business performs. That can sometimes help improve the speed and quality of the offers available.

One point of contact: You will have one point of contact throughout the process. Rather than dealing with multiple lenders yourself, our team stays involved from start to finish to answer questions, explain the details clearly and help keep everything moving.

Ready to Explore Your Options?

Getting started is simple. You can complete a short enquiry form or speak directly with our team on 01487 808990 to discuss the funding options available for your business.

We believe business funding should be clear, practical and built around the realities of running a business today. Whether you are looking to improve cash flow, invest in growth or create more flexibility around your online payments and operating costs, we are here to help you explore the options available without pressure or unnecessary complications.