Financial Tech businesses can add real value to customer relationships with Cash Advance. Going to the heart of one of the perennial business challenges – that of managing cash flow – Cash Advance enables FinTechs to offer their merchants fast access to cash, without any credit exposure to the FinTech’s business.

Lack of access to funds to keep cash flowing can hold back business growth. Cash Advance provides fast access to cash with repayment options that mirror business success.


Cash Advance provides an extra revenue stream for Financial Tech firms, providing them with the facility to offer loans to their merchant customers. Whether a company needs to purchase seasonal stock, refurbish premises, invest in marketing or increase head count, a quick and simple loan could make the difference. But existing business lending models are slow, expensive and inefficient.


Cash Advance is all about quick decisions and flexible repayment options. Rather than the average 60 days it takes a traditional bank to extend a new loan, the entire application process takes up to 72 hours with Cash Advance.

Through Cash Advance, FinTechs can give merchants faster access to cash, with flexible repayment options and personalised online account management.

Merchants will receive an indicative offer within minutes via an online calculator. A binding offer is made within 24 hours after an ID verification and credit review process. Money is received as soon as the next business day.

Key benefits for Financial Tech businesses:

  • Enhances business client relationships by offering pre-approved loans, without credit exposure to the FinTech
  • Creates an extra revenue stream by extending the value proposition at no cost to the business
  • Opportunity to provide liquidity to merchants, to receive a bigger part of the revenue share
  • 24/7 access to each merchant’s loan status, bank account overview and renewal requests
  • FinTech specific landing page available ensuring personalisation for the end customer

Key benefits for Merchants:

  • Quick and cost-efficient access to money to support business growth
  • Fast online application process
  • Quick approval process – the whole process takes between 48 and 72 hours
  • Flexible repayments – repay a fixed amount or a flexible percentage
  • No hidden costs
  • No application or closing fees
  • No fees for early repayments
  • No compounding interest
  • 24/7 access to loan status, bank account overview and renewal requests
How it works

The FinTech is provided with a Cash Advance API, to integrate into their own website, creating a seamless, own-branded credit assessment process. Merchants can then use the FinTech’s website to find out if they’re eligible for a loan.

If the merchant is eligible, the loan is deposited into their account as soon as the next business day.

Banking Circle opens two accounts; one for the Lender and one for the merchant. Card scheme payments made to the merchant will be made into the merchant account which immediately deducts a percentage of the merchant’s daily flow as payment into the Lender’s account. The difference in funds is then credited to the merchant. This process is repeated until the loan is paid off in full.

Other Solutions

Banking Circle Members can access a global IBAN account infrastructure, through a platform from which they can trade forex and make international payments.

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Lack of access to funds to keep cash flowing can hold back business growth. Banking Circle provides fast access to cash with flexible repayment options.

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Banking Circle provides a range of offerings to meet the payments needs of banks, payment service providers, FinTechs, and their customers.

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