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 and checks results
Client gets paid directly, often within 2 hours
You collect payment as normal

Requirements

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

Benefits

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 approved
On completion of the work the client signs a satisfaction note and you get paid directly

Requirements

Professional Payaca subscription
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.

Benefits

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.

Secured finance

Send a quote for the total cost of your products/services
Client checks their eligibility and are allocated an account manager to assist in securing the credit facility
Client receives flexible loan facility secured against their property
You collect payment as normal

Requirements

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

Benefits

Just like a credit card, for the first 5 years, clients are issued a credit limit that they can borrow against as much as they need (up to your pre-approved credit limit - between £25k and £1M).
Clients are only charged interest when they use funds, so anything unused will be interest free.
Customers avoid the often costly process of re-mortgaging.
No FCA authorisation needed as you are not directly involved in the finance process.

Full FCA authorisation

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

Requirements

Premium Payaca subscription
All the requirements for 0% over 12 months
You must gain FCA authorisation - we can help with this
Apply and be approved by the lender

Benefits

Offer a range of finance options including 0% over 2 or 3 years and interest bearing at a fixed rate.
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