Businesses paid through Klarna, Braintree or Authorize.net can still borrow against that income. It is not a card terminal advance, because none of the three is a card acquirer, but revenue based finance works on the same principle and we arrange it.

Disclaimer: We are not affiliated with Klarna, Braintree or Authorize.net.

Three Different Things That Are Not Acquirers

A standard merchant cash advance is secured on card takings processed by an acquirer such as Worldpay or Dojo. These three are something else, and the difference decides which lenders will look at you.

Klarna is buy now pay later. Your customer pays Klarna in instalments and Klarna pays you upfront, less a fee. What lands in your account is a settlement from Klarna, not a card transaction.
Braintree is a payment gateway owned by PayPal, used mainly by online businesses and apps. It routes card payments to an acquirer behind it. Your revenue is real card turnover, but the statement you have is from Braintree or PayPal rather than from the acquirer.
Authorize.net is a gateway owned by Visa, mostly used in the United States. UK businesses on it tend to be selling to American customers. It also sits in front of a separate acquirer.

How The Funding Works Instead

Lenders in this space call it revenue based finance rather than a merchant cash advance, but the mechanics are the same. You receive a lump sum and repay it as a percentage of your incoming revenue until a fixed total is repaid. The lender reads your settlement reports from Klarna, Braintree or Authorize.net, plus your bank statements, rather than an acquirer statement.

Two things are different from a shop with a card machine. Refund and chargeback rates matter more, because online and buy now pay later businesses run higher rates and lenders price for it. And if your revenue is split across several platforms, which is normal for an online seller, the lender may fund against all of it together or against the largest stream, depending on the facility. Tell us where your money comes from and we will match the lender to it.

The eligibility is broadly the same as a card advance: trading three months or more, revenue of around £3,000 a month or above, most sectors accepted, and poor credit considered because the lender is buying future revenue rather than lending against your credit file. Our merchant cash advance page explains the product in full, and if you sell on Amazon or Shopify we have dedicated pages for Amazon sellers and Shopify stores.

Apply For Revenue Based Finance

As an independent business finance broker, we help online businesses source funding against their revenue whichever platform pays them. If you have already been declined elsewhere we can still help. Fill in the form below to apply.

Simon Johnson

Simple, easy and professional. Listen to business requirement and found the perfect funding solution. Thank you...!

Ihsan Gungor

Great help and fast

Hassan Raza

Many Thanks Marcus for arranging funds for my business despite having several challenges on credit file.

Craig Barclay

Amazing service - Thank you Marcus first class

Shazad “Shaz” Khan

The service is undecrible. I had a lot of issue through other brookers but it has been dealt professionally by Marcus. The service i received is more then beyond expectations.

Gordon Angus

I can't recommend Bolton Business Finance Ltd highly enough. They were able to get us excellent terms and a higher loan amount than expected - far better than any other broker. Marcus was very friendly, helpful and supportive throughout the application and I will definitely use their services again.

Gerad Barclay

Exemplary Business Finance Service Bolton Business Finance and its MD Marcus Wright are professional and an example to others in the industry. Strongly recommended. Most business people searching for a business finance broker will have dealt with Estate Agents, Recruitment Agencies, or both. You know the types; recruitment “consultants” that try to palm you off with unsuitable candidates having doctored the CV to look great, or estate agents that assure you the enquirer is a “Cash Buyer” or in a fabulous position when in fact they have not even got an offer yet for their overpriced property. Many Business Finance Brokers are as above, probably worse. They work the numbers game of collecting applicants then punt the applicants around the types of lenders that want to tie you down with crazily high interest rates, unviable repayment terms and the ubiquitous PG. My advice is to look out for these shady practitioners. They want your personal ID, 6 months Bank Statements and annual accounts before even discussing solutions to your problem. They have only a passing conversational interest in your business. Be especially alert to the additional introduction “Fee” for getting to offer stage. One such broker added a 5% fee unto an already sky-high rate of interest front-loaded unto the principle, no reduction for early settlement, and of course the dreaded PG. Try getting 5% Interest per year on deposit of £200,000…. It is currently almost impossible yet, some brokers want 5% (£10,000 on that £200K) just for the introduction. That’s 3–5 times what Estate Agents will charge, and they typically must do some work and wait 6 months for the transaction to complete. The broker may well have punted your most personal details by email to any number of lenders leaving you exposed in many ways. Marcus did none of the above. He listened to the requirements. Noted preconditions, made no promises but came back very quickly with imaginative propositions. Very personal details and confidential information were requested only when there was agreement in principle. I will certainly use again.

Tyler Homeyard

Great company to deal with. Marcus is a great guy and knows what he’s doing. They helped me with factoring my invoices on Courier Exchange. Very seem less process. Highly recommend.