Customer finance options in every quote has been shown to increase conversion rates by up to 30%

We have a range of options to suit your every business, please get in touch to discuss the best option for you.

Simple finance

Send a quote for the total cost of your products/services
Client selects amount to borrow through the Payaca finance application and checks results
Client gets paid directly, often within 2 hours
You collect payment as normal


Send a quote using Payaca... that's it!


Simplest option - you only have to subscribe to use our software and it's included in the price.
No FCA authorisation needed as you are not directly involved in the finance process.
How you take payment is up to you; you can request any deposit through the quote, turn on our card payment option for easy tracking or request BACS transfers.

0% over 12 months or less

Send a quote for the total cost of your products/services
Client selects "0% finance" and applies directly
We notify you that the client has been pre-approved
On completion of the work the client signs a satisfaction note and you get paid directly


1 years accounts filed at companies house or 1 year tax returns for self employed.
No CCJ’s, Bankruptcies, IVA’s personal or on the business
UK (excluding N.Ireland)
Apply and be approved by the lender.


You are directly offering 0% finance
You don't have to be FCA authorised as there is an exemption.
You are paid directly by the lender only after the work is complete and the customer signs a satisfaction note.

Full FCA authorisation

Secure agreements directly with lenders
We integrate this into your quote process
You offer a range of finance products directly
You are paid by lenders as per your custom agreements


You must gain FCA authorisation. This process can take up to 6 months.
Staff must be fully trained on an ongoing basis.
You must have adequate controls and procedures in place.
You must keep accurate records and report these to the FCA.


You have full flexibility to secure your own arrangements with lenders.
We can build your process into our quote flow.
Get started with help from one of our experts

Get started with help from one of our experts

Speak to one of our friendly experts about how Payaca can work for your business.

Trusted by customer focused service businesses across the UK

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I’ve found it very easy to use, very easy for the customer and the rates are great. No fees on finance, well worth getting.

George Campbell – Pentland Plumbing & Heating