Merchant Cash Advance

Merchant Cash Advances
in Australia

From time to time, every business needs a cash injection. It’s all about finding the financial solution that’s right for you.
At APICKLE, our merchant cash advances are designed to give you the flexibility you need to grow.
With zero interest and repayments to match your sales, it’s the smart way to expand your business fast.

Fast Working Capital
Finance Solutions

While SMBs account for 97% of Australian businesses, it can still be difficult to make a case to a bank when looking for finance.
Whether you’re starting a new business or investing in the growth of your existing one - the good news is that applying for commercial finance through a bank is far from the only option.
APICKLE has created a merchant cash advance that’s designed to support your cash flow. And best of all,
you won’t pay interest. Instead, our borrowers pay back a fee, with repayments fixed to business sales.
How does this work? The more card sales go through your working capital facility terminal or online store, the greater the repayment and vice-versa. It’s a simple solution that generates big rewards for our clients.

Zero Interest and Easy
Repayments

The total amount of your merchant cash advance is based on your recent sales. This means SMBs can borrow the amount that’s right for them, then simply pay back a percentage each day. There’s no ongoing interest - just one simple regular rate. Unsecured merchant cash advance loans are ideal for business expansion.
They’re fully drawn advances for a fixed length of time.
And because repayments are based on your daily transactions, we’re able to offer this product unsecured!
Regardless of what kind of business you run, it’s always important to have a great business plan. Building an
accurate cash flow forecast is your ticket to success.

FAQs: Buy Now Pay Later
Services Australia 2022

A merchant cash advance is an alternative financial service that offers real

freedom and flexibility for businesses.

It’s a fast cash injection with repayments deducted from credit card sales.

There are no monthly payments, but rather a simple percentage of sales deducted daily.

Perfect for retail, eCommerce, and hospitality businesses, you can receive

your merchant cash advance as an upfront sum or regular accessible amounts.

A merchant cash advance is a sum of money that delivers real growth and flexibility for your business.

You won’t be required to use personal collateral like your home or car. Instead, a small percentage of your card transactions will be deducted at regular periods.

It’s the perfect financial service for Australian SMBs with many beneficial features. The application process is quick, easy, and 100% online.

No asset security is required so your business can remain secure. And with such a dynamic and adaptable repayment process, you’ll stay in control at all times.

No – a merchant cash advance is not technically a loan. Rather, it’s a cash advance that’s based on the sales revenue of your business.

Business loans are repaid with regular payments of fixed amounts. A merchant cash advance is deducted as a percentage of daily or weekly card sales.

Because a merchant cash advance is not a loan, the approval process is much quicker and simpler than those demanded by the big banks.

Applications are usually approved within a day and funds can be in your account . within 24 hours

Depending on the lender you partner with, you could be approved for a merchant cash advance even if you have bad credit.

At APICKLE, we want to extend financial assistance to Australian businesses of all sizes. For this reason, we aim to make our merchant cash advances as flexible as possible. We require…

  • Minimum $10,000/month turnover.
  • Minimum 6 month trading period.

One of the benefits of a merchant cash advance is just how fast the application process can be.

When you choose to work with APICKLE, your application will be processed within 1 business day. If you’re successful, your funds will be in your account within 24 hours.

We understand that quick access to cash is invaluable for today’s SMBs. A merchant cash advance lightning-fast way to get ahead and generate the growth you need.

APICKLE is proud to provide some of the fastest and smartest financial services for SMBs in Australia.

Our loans are on your terms and always interest-free – giving you the freedom and flexibility you need to revolutionise the way you do business.

Our leadership team is comprised of Australia’s leading accountants and financial advisors, who are always on hand to discuss your circumstances.

It’s this commitment to small businesses that makes APICKLE’s merchant cash advances a game-changing solution for our clients.