Automate your payments
Decide how much you want to pay based on payments processed through Barclaycard (this is typically between 5% and 20% of your daily transactions).
We pay upfront, you pay when your customers pay
Whether it’s buying stock or funding expansion, if you take payments with us, your business can access quick and reliable finance with Barclaycard Business Cash Advance.
Available through our trusted partner, Liberis, decisions are made quickly, with funds typically appearing in your merchant account within 48 hours.
Pay when you trade
Your agreed percentage is then automatically taken from your daily settlement, making your monthly payments hassle-free and affordable.*
Get a quote in minutes
Easily apply with Liberis and manage your account directly with them. Your quote can be with you in minutes, with no impact on your credit score.†
*You’ll be expected to operate your business in a way that ensures Liberis receives a minimum monthly amount of 3% of the total amount owed to Liberis. †Amounts may be subject to change depending on your credit profile at enquiry. Business Cash Advances are subject to an underwriting process before any offer can be made.
Ready to apply? Here’s what you need to know
Barclaycard Business Cash Advance isn’t a regulated product in the UK and doesn’t 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, however, other regulated lending products available through Barclays (eligibility criteria and T&Cs apply).
If you’ve evaluated all the funding options available, you can apply directly with Liberis by clicking below.
Alternatively, please call Liberis on 0808 296 1357, Monday to Friday, between 8:30am and 6pm. They’ll be on hand to answer any questions you may have.
Before you apply, please make sure:
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
you have your Barclaycard Client ID (CID). It’s the first eight digits of your invoice number and can be found in the top right-hand corner of your Barclaycard merchant paper statement or on your digital statement, which you can access on Barclays Online Banking
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.
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.