Last updated: September 17th, 2026

UK businesses that take card payments through Zettle by PayPal could apply for a merchant cash advance or merchant loan. A cash advance lets you borrow against your future card takings and repay as a percentage of sales rather than a fixed monthly amount.

Disclaimer: We are not affiliated with Zettle or PayPal.

Zettle began as iZettle, a Swedish card reader company. PayPal bought it in 2018 and rebranded it Zettle by PayPal in 2020. Older statements and terminals may still say iZettle; it is the same account.

If your business takes payments through a Zettle reader, you could apply for a cash advance. Fill in the form below to apply.

Zettle Cash Advance Finance

A merchant cash advance is repaid as a percentage of your card takings rather than as a fixed monthly payment, so the repayment flexes with your trade. Our merchant cash advance page explains how the product works in full. We work with a number of lenders that will fund against Zettle sales.

Who Uses Zettle

Zettle is one of the two big app-based readers in the UK alongside SumUp, and the two share a customer base: cafes, market stalls, salons, tradespeople and small shops that want a reader with no monthly contract. Zettle’s own funding product, iZettle Advance, was withdrawn after the PayPal acquisition. Some Zettle merchants are offered PayPal’s working capital product instead, which is one lender’s view of your business. We are independent and search the wider market, so a small offer or a decline from PayPal is not the end of it. If you are choosing between readers, our SumUp vs Zettle comparison covers the fees and the funding options side by side.

Trading for at least three months
Minimum card turnover of around £3,000 a month
Borrow up to 200% of your average monthly Zettle card sales
Most business sectors covered, funds for any legitimate business purpose
Poor credit considered, because the lender is buying future sales rather than lending against your credit file
You do not need to be a homeowner

Example

Average monthly card sales: £10,000
Amount of finance: £10,000
Factor rate: 1.25
Total repayment: £12,500
Repayment sweep: 10%

In this example you borrow £10,000 and repay 10% of your future card takings until you have repaid £12,500. Some facilities carry a minimum monthly payment, and some lenders take repayments by redirecting your Zettle settlements through a client account they set up. Figures are illustrative and not a quotation. We are a broker, not a lender, and may receive a commission from the lender we introduce you to.

Apply For a Zettle Merchant Cash Advance

As an independent business finance broker, we help businesses that take payments through Zettle to source finance, including merchant loans based on recurring monthly revenue from one or several sources. We do not charge a broker fee on merchant cash advance applications. If you have already been declined elsewhere we can still help. Fill in the form below or call 0161 546 9128.

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.