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United Kingdom
Access a merchant loan with repayments that move with your sales
A clearer way to manage costs, plan ahead, and keep your business moving. Get a merchant loan with a fixed fee and repayments that move with your sales.
Not a myPOS merchant yet?
Trusted by thousands of businesses across Europe
Over
€ 22.5M
already provided
More than
3,265
merchants received a loan
Over
4,435
loans issued
Typically funded
within 48 hours
of accepting your loan agreement
A simpler way to fund your business
Running a business means making constant decisions about where money needs to go next. Stock, equipment, day to day costs, or preparing for a busy period can all put pressure on cash flow. myPOS gives you access to a loan with clear terms, a fixed fee, and repayments that move with your sales. So you can keep plans moving, without putting extra pressure on your business.
How merchant loans work
From offer to repayment, here's how your loan works:
1. Your business is assessed
Our team looks at things like your sales performance and business stability to assess suitability.
2. Your offer appears in your business account
If your business qualifies for a loan, you'll see the loan amount, fixed fee, total repayment, and repayment rate clearly in your account.
3. Review and accept your loan agreement
If the offer works for you, you simply hit 'Accept your loan agreement' in your business account. There are no long forms or unnecessary paperwork to deal with.
4. Receive your loan
Your merchant loan will typically be paid within 48 hours of accepting your loan agreement. So you can put your business plans into action quickly.
5. Repay in line with your sales
Repayments are clear from the start. An agreed percentage of your sales is collected and repaid automatically. Everything follows the repayment schedule in your loan agreement.
Repayments that move with your sales
With merchant lending, you see the total repayment upfront.
Loan amount:
€ 10.000
Fixed fee:
€ 1.200
Total repayment:
€ 11.200
How repayments adjust with sales
If your sales are higher, repayments are made faster. If sales are lower, the amount collected is lower. The total repayment amount stays the same throughout.
How loan offers are assessed
Merchant lending is currently only available to eligible myPOS merchants. You may receive an offer based on:
When a loan offer is available, it will appear in your business account.
How a merchant loan can support your business
Merchant lending can help you cover key costs, invest in growth, and take pressure off cash flow. You could use it for:
Stock
Stay ready for busy periods by ordering inventory in advance and avoiding missed sales.
Equipment
Repair, replace, or upgrade essential equipment so your business keeps running smoothly.
Seasonal demand
Prepare for busier periods with stock, staffing, or supplies you need, without putting extra pressure on cash flow.
Cash flow gaps
Cover short term costs and keep day to day operations running smoothly.
Hiring and growth
Bring in extra support, increase capacity, and give your business more room to grow.
Marketing
Invest in campaigns and promotions that bring new customers and drive sales.
Get a loan without the usual friction
Traditional business borrowing can be slow, paperwork heavy, and harder to plan around. Your Merchant Loan gives you faster access to funds, clearer costs, and more flexibility in how you repay.
See why our customers love myPOS
Trusted by over 350,000 businesses across Europe to save time and money.
Extremely positive experience
Extremely positive experience. I've been using myPOS for more than 3 years and I must say that I haven't had any major problems, and when minor issues have happened, I've gotten a quick solution.
Excellent!
Excellent service, immediate credit and efficient terminal. Simple and intuitive management from a PC or smartphone.
Excellent service.
Excellent service. I have had no problems with any POS payments and PayLink accepts all cards with no monthly fee.
Since I've been using myPOS, I've never had...
Since I've been using myPOS, I've never had any problems and, above all, I have instant credit to use immediately. I recommend it to everyone.
I have been using myPOS for two years
I've been using myPOS for two years, and I think it's the best product around, both in terms of value for money and the immediate availability of money.
FAQs
Your questions answered
A merchant loan is a loan offer that may be available to eligible myPOS merchants. It comes with a fixed fee, and repayments are made as an agreed percentage of platform sales in line with the loan agreement.
Eligibility is based on factors such as your sales activity, business stability, business history, and time using myPOS. If your business qualifies for a loan offer, it will appear in your business account.
Loan amounts vary by merchant. If a loan offer is available, the amount will be shown clearly in your offer.
Each offer includes a fixed fee shown clearly upfront, together with the total repayment amount.
Repayments take place over the period set out in your loan agreement, up to 12 months. The repayment period will be shown clearly in your offer.
If the full repayment amount is not repaid within the period set out in your loan agreement, the lender may deactivate the loan. Any outstanding amount must then be repaid directly to the lender, outside the myPOS system.
No. The cost is shown as a fixed fee, not as interest or APR.
Your merchant loan is paid to the business account specified in your loan offer.
Repayments are collected automatically as an agreed percentage of your platform sales, in line with your loan agreement.
If your platform sales go down, the amount collected through repayments also goes down, because repayments are linked to platform sales.
Once you accept your loan agreement, loans are typically paid within 48 hours.
Yes. If you decide to accept a loan offer, the terms will be set out in a loan agreement in your business account.
No. Merchant lending is only available to eligible merchants, and not all businesses will qualify.
If repayments do not continue as agreed, the lender may deactivate the loan. Any outstanding amount must then be repaid directly to the lender, outside the myPOS system.
