Find the right financing for you
Our portfolio is growing. Today, we offer two products from trusted partners, built around the needs of different businesses.
Merchant Cash Advance
Get an advance on your future card sales with flexible
payments that adjust to your revenue.
Payments
% of daily card sales
Best for
Seasonal or fluctuating revenue
Flexibility
Adjusts with sales volume
£200
£1,000
Mon
£320
£1,600
Tue
No sales?
No payment
£0
Wed
£198
£980
Thu
Flexi Loan
Fixed monthly instalments with predictable cash flow, plus the flexibility to overpay, settle early or top up your balance.
Payments
Fixed instalments
Best for
Predictable cash flow
Flexibility
Stable, planned schedule
Our streamlined application process gets you from application to funding
in as little as 24 hours.
1
Fast and simple application process
Apply in minutes with no guarantors required or impact to your credit score.
2
24 hour funding
Once approved, access your funds within 24 hours.
3
Flexible payments
Choose the funding that suits your needs: either as a % of Daily Sales or predictable monthly payments.
4
Easy renewals
Get access to additional funding even before you have finished repaying.
5
Track payments
View exactly how much you have paid directly in your Teya App.
Features
Teya Cash Advance
Teya Flexi Loan
Bank loan
Easy online application
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✓
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Funding within 24 hours
✓
✓
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Flexible payments
✓
(sales linked)
✓
(flexible drawdowns)
✗
(fixed monthly)
No collateral required
✓
✓
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Pay only for what you use
✓
(fixed fee product)
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(interest only on drawn funds)
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Clear, transparent pricing
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(may include extra fees)
No early payment fees
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✓
(often applies)
Suitable for start-ups
(4+ months Teya payments needed)
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MARKETING
Stay competitive year-round
Invest in digital advertising, seasonal campaigns, and local marketing to attract more customers and grow your brand.
INVENTORY
Stock up for success
Purchase inventory in bulk, pay suppliers early for discounts, and never miss a sales opportunity due to low stock.
OPERATIONS
Cover operational costs
Handle equipment repairs, payroll during slow periods, utility bills, and unexpected expenses without stress.
“Being able to track my payments in the Teya app gives me peace of mind. I always know exactly where I stand and can plan ahead with confidence.”
Marco Fernandes
Café Lisboa
Frequently asked questions
General
Will applying affect my credit score?
How quickly can I get funded?
Merchant Cash Advance
How do Merchant Cash Advance payments work?
Is there a fixed payment term?
Flexi Loan
How does a Flexi Loan work?
Who is eligible for a Flexi Loan?
Check your eligibility in minutes with no impact on your credit score.
