Fast funding
Apply online, and if approved, you could have the funds in as little as 24 hours.* It won’t affect your credit score.Δ
Barclaycard Business Cash Advance
We pay upfront, you pay when your customers pay
Whether it’s buying stock or funding an expansion, if you take payments with us, your business could access fast and flexible funding with Barclaycard Business Cash Advance.
Available through our trusted partner, Liberis – you simply apply online, and if approved, you could have the funds in as little as 24 hours.*
Get rewarded when you prepare your business for a more sustainable future†
With a Barclaycard Business Cash Advance, you could get up to 10% cashback on your fee when you spend a portion of the funds supporting green initiatives. You can check the full list of eligible initiatives here. Apply by 20 May 2024.† T&Cs apply.
0% interest
Just one fixed fee, agreed upfront, that never changes – even if you need more time to pay.**
Fuss-free process
Payments are taken automatically as a small portion of your card takings, so you pay when your customers pay you.**
Important things you need to know
Your offer could be waiting
If you’re an existing customer and your marketing preferences are switched on, we’ll email you with your tailored funding offer once you become eligible.
Already received your offer email? Apply here.
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Legal info
We recommend viewing the product terms and conditions.
*Between January 2023 and September 2023, the average time to fund customers with successful applications was 18.84 hours.
†Applications must be submitted between 20 February and 20 May 2024 to qualify for 10% cashback offer. T&Cs apply.
ΔYour credit score is not affected by applying for a Business Cash Advance. Taking out a Business Cash Advance may affect your credit score.
This product is provided by Liberis, and Barclaycard will receive a commission.
Barclaycard Business Cash Advance is not a regulated product in the UK and hence does not have protection under the UK regulatory structure, including but not limited to protection offered under the Consumer Credit Act (CCA), Financial Services Compensation Scheme (FSCS) and the Financial Ombudsman Service (FOS).
There are other regulated lending products which are available through Barclaycard. Eligibility criteria and T&Cs apply.
If you’ve evaluated all the funding options available, you can apply directly with Liberis through our ‘Ready to apply’ section below.
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Minimum repayment
**You will be expected to operate your business in a way that ensures the Partner receives a minimum monthly amount of 3% of the total amount owed to them. T&Cs apply.
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How we use your information
When you apply, you will be asked to confirm you are happy for Barclays to share information about your business account with Liberis, so they can provide you with your approved quote. If you complete your application with Liberis, they will use your personal data as set out in their privacy policy.
Ready to apply? Here’s what you need
You can apply if:
You’re an existing Barclaycard Payments customer who takes payments with us
You’ve read and understood the information on this page
You’ve considered other options and have decided Barclaycard Business Cash Advance is right for you
You’re aware of how the cash advance fees compare with alternative funding products
What you’ll need to hand:
Barclaycard Client ID (CID). It’s the first eight digits of your invoice number found in the top right-hand corner of your Barclaycard merchant statement
Last four digits of the Bank Account number associated with your Barclaycard Payments merchant account
Tip: If you have opted in to receive marketing communications from us, you will receive an email once you become eligible for a Barclaycard Business Cash Advance with details on how to apply
Want to talk to us about Barclaycard Business cash advance?
Call our existing customer team on 0800 092 9305 Monday – Friday, 9am – 6pm, and they’ll be happy to help.
Have you considered these options?
Business loans
If you need funding for an opportunity, a business loan could be a straightforward way to finance it.
Business overdrafts
An overdraft could help you deal with short-term cashflow challenges.
Business credit cards
Our business credit cards can help you to gain greater control of your business spend and cashflow.