Different models for different problems. Here’s how Daily Advance compares to other forms of financing.
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Why use Daily Advance over credit line? Hear from Shane Burnett, an Amazon seller with $10 million annual turnover.
Why continuous cash flow matters
“With Daily Advance businesses can continuously sell, reinvest, repurchase, and continue to grow faster.
And that is the way that you're going to see compound growth - rather than the kind of moderate growth that they're able to achieve with capital products.”
Oliver Whelan Chief Revenue Officer
“The growth of a business is directly tied to the number of times you can turn your money - that's your cash cycle.
The shorter that cycle is, the quicker and more often you can reinvest into inventory, new product lines, and advertising.”
Isabel Simon Account Executive
“Same year, same effort.
If you cycle your inventory 22 times a year instead of 10, you double what you can sell.”
Oliver Whelan Chief Revenue Officer
Repayment comparison
Merchant Cash Advance is typically repaid via a fixed percentage of future sales. This means the total amount you pay is agreed upfront, regardless of how quickly the advance is repaid.
A fixed fee can make financing look simple: you know exactly what you’ll pay from day one. But your business doesn’t stand still.
If sales grow faster than expected and you repay early, the cost of fixed-fee financing can increase significantly when measured against the time you actually used the funds.
A business receives £100,000 with an £8,000 fixed fee.
If repayment takes 6 months, the fee is spread across 6 months.
If repayment takes three months, the business still pays £8,000 – so the effective cost is higher.
Sometimes, yes. But the fee is only part of the equation. Daily Advance gives our customers faster access to cash, which enables:
Faster stock turnover
More reinvestment cycles
Higher revenue over time
Businesses use us when the extra revenue they make from faster cash flow outweighs the fee. Want to see this in action? Try the growth simulator.
Financing growth: Merchant Cash Advance vs. Daily Advance
As businesses grow, their financing needs evolve. Early-stage companies often prioritise access to a lump sum of capital, while more mature businesses look for solutions that scale efficiently with their operations.
Frequently asked questions
Revenue-based financing gives you a lump sum upfront which is paid back from your sales. Daily Advance doesn’t work in lump sums – it simply pays you revenue you’ve already earned.
In spirit, yes – both are about getting paid for revenue you’ve already earned, sooner. The difference is mechanical: invoice financing works from invoices you raise yourself, typically for B2B customers on 30- or 60-day terms; Daily Advance works from your platform sales data.
Daily Advance and a credit line are different forms of financing: a credit line is extra money which needs to be paid back; Daily Advance is money you have already earned, just faster. A credit line has a limit, Daily Advance scales with your sales.
The two work well together. Your credit line is limited so works well for unexpected short term needs, while Daily Advance keeps your cash flowing.
Neither Instant Payouts nor Amazon Express Payouts are capital products, they are simply ways of making payments move more quickly through the financial system. Normally payments from platforms such as Shopify and Amazon take 1-3 days to clear; Instant Payouts and Amazon’s product, Express Payouts, deliver immediate payment.
However, both relate to money that has already been released and is making its way to you. Daily Advance is designed for money which is being held by platforms.
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