How our finance works

Business finance designed to be simpler, faster and fairer

Lend from £1,000 to £100,000

A decision within two working days

No early repayment fees

Access repeat funding

Approachable and friendly service

Transparent costs with no surprises

Small business finance frustrations


Small businesses can experience uneven cash-flows from month to month. This can be caused from a number of reasons including customer late payments, planned expenses such as inventory purchases, refurbishment and a new marketing campaign, or unexpected expenses such as repairs for machinery break-downs

Unfortunately, small businesses have limited access to traditional forms of finance, which can be frustrating trying to quickly respond to their changing funding needs

A simple & flexible solution

Adelpha has developed a better way to make finance available to small businesses from £1,000 to £100,000


The advanced amount will depend on your average monthly revenue, and will come at a fixed cost of finance. The cost and a flexible weekly repayment plan is agreed upfront

We are able to approve most funding applications as we base our funding decision on your potential business performance, not just your credit history

Your funding journey

With our Business Cash Advance, we advance a lump sum upfront. When repayments commence, they are taken weekly by direct debit on a pre-agreed payment schedule. The schedule is matched to your expected cash flow, so you pay us in line with when your customers pay you


Our Business Cash Advance is a simple, sustainable business funding solution with a repayment schedule typically between six to 12 months, depending on your business requirements. The minimum term is three months and the maximum term is 12 months

Efficient & Friendly service

If you have any question, our efficient and friendly team are always on hand to answer any enquiry


Further, we reward our loyal customers when they recommend Adelpha to a new business. If you introduce someone to Adelpha, we will reward each of you with £200.

Take control of your finances today
Need more details? Speak to a real person

Our dedicated account managers are here to help. Contact us by phone or email

You can also check out our frequently asked questions

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Registered in England and Wales No: 10409699

Address: 27 Old Gloucester Street, London, WC1N 3AX, UK 

Adelpha is a responsible lender providing business finance. Adelpha does not offer regulated consumer agreements.

© Adelpha Capital Ltd. All Rights Reserved