Value-Added Services

The Business Cash Advance is the most flexible and innovative way to fund in the UK, and works by advancing one months' worth of card revenue (based on your last 12months statements) in a lump sum. The purchase amount is then repaid via an agreed daily % of your card sales being diverted to paying the balance until you have cleared it:


The percentage remains the same whether you have a great day or a bad day sales-wise. For example if you make £1,000 a day and have agreed a 20% split, £800 will go to you and £200 towards repayments. If you make £10 one day, £8 will go to you, £2 towards repayments – providing great flexibility in uncertain times. Over 85% of Decimal Factor's eligible merchants renew, which is testament to its success in today's market!

Why Cash Advance?

• No Application fee
• 90%+ approval rate
• Unsecured
• Decision within 24 hours
• No impact on credit score
• No set payback times
• Funds available within 10 days
• Repayments in proportion to sales

Typically, the bank will be happy to loan you money when you don't need it but reluctant to loan you money when you need it the most. We arrange cash advance companies who buy a fixed amount of your future credit and debit card sales at a discount. Through an automated process, the cash advance companies retrieve a fixed percentage from each sale as it is settled. The percentage they retrieve from each sale is fixed for the life of the funding. Unlike banks where monthly repayment schedules are rigidly set, cash advance companies get paid when you get paid. Consideration is given to ups and downs of your business revenue flow.

Typically, funds are used for:

• Additional Working capital
• Equipment & Machinery
• Discounts on bulk purchases
• Renovation and building expansion
• Furniture and fixtures
• Business costs i.e. VAT or Tax bills
• Purchasing new stock
• Advertising and marketing
• Buyout of a business partner
• Opening a new location
• Building a website

DCC (Dynamic Currency Conversion)

Available in card-present, card-not-present environments and for online environments DCC converts international Visa and MasterCard purchases into the cardholder's home currency at the time of sale and rebates a portion of the conversion fee back to your business. We manage the entire conversion process - from direct treasury exchange rates and transaction processing, to back-end reconciliation, settlement, funding and support. That means in addition to realising bottom line benefits, your business enjoys added efficiency from a single provider.

How can this help my business?

• When customer puts their card in the machine/enter card details online, the system will automatically detect right currency i.e. dollars, Yen, Rand (48 currencies supported)
• Customer will see the transaction in their own currency on statements
• You will receive 1% of all foreign spend back at the end of the month as a rebate! i.e. if you have £10,000 foreign turnover, you will get £100 back
• Completely free and is available on PDQ's, virtual terminals and online payment gateways

Tax-Free Refunds

When combined with DCC, the Tax-Free Service automatically recognises cardholders who are eligible for international tax refunds and provides your customer with everything they need to reclaim international tax duties on the purchase of goods

How can this help my business?

• Reduced time and effort – no need to spend ages filling out tax forms
• Increased sales – can process more sales quickly especially if you experience sudden influx of customers i.e. from tour buses
• Competitive edge – customers will prefer to spend money in your store due to the ease of paying in their own currency and having their tax forms printed complete
• Rebates – you will receive 1% of all tax credit back at the end of the month as rebate!

Multi-Currency Processing

Accept and settle card transactions in a variety of leading currencies. We offer local currency processing to the cardholder and settles in the currency you choose to facilitate funding. From Australian, Canadian or U.S. Dollars, to Euros, Japanese Yen, Norwegian Krone, Swiss Franc or Sterling and more, we makes it simple for you to accommodate your international customers.