Frequently asked

Based on your business’s performance on GoCardless, you can receive a tailored capital offer, powered by our partner Pipe. You can choose to access as much or as little of your offer as needed, with payments tied to a percentage of your revenue. You’ll be continuously evaluated for additional offers, and once you qualify, you’ll receive a notification so you can access capital as you grow.

Great news–you’re continuously being evaluated for additional offers! 

Pro-tip: If you have any remaining limit left from your current offer, you can also use it at any time, until the offer expires. Your up-to-date limit can be found at the top of your dashboard. 

If eligible, your business will receive a pre-qualified capital offer, so all you have to do is submit a few pieces of information to verify your business and ownership details. Business verification includes reviewing your business information, owner details, and adding a business representative. No need for financial statements or credit checks, just fast access to capital to grow your business on your terms.

The amount you can access depends on your business's historical revenue data and revenue projections. As your business scales and you build payment history, the amount of capital you can access will automatically grow with you. You’ll be notified of additional capital offers as you receive them, so you don’t even need to apply for additional capital! 

Pipe has helped over 23,000 business owners connect to unbiased capital based purely on secure live data on the health of their business. 

GoCardless partnered with Pipe because we understand that capital is the lifeblood of small and mid-size businesses, and Pipe is dedicated to helping companies get the funding they need to keep building. By using only a business’s data to qualify them for capital, Pipe eliminates the friction and bias of traditional financing, connecting business builders to quick, easy capital, and helping small to mid-size businesses build something bigger.

No, unlike traditional financing options, there are no credit checks and no personal guarantees involved with this capital product. This is because you 
can qualify for an offer based on your revenue on GoCardless, allowing you to access the working capital you need without risking your personal assets 
or finances.

Our capital solution provides businesses with owner-friendly capital in exchange for a percentage of their future revenue. It offers a transparent and convenient way to access working capital in just a few clicks and without the frustrations of traditional financing.

• Unbiased Capital: Offers are based purely on your revenue, not your credit score. 

• Simple, streamlined access: Your business can qualify for capital based on your revenue, so there's no need for personal guarantees or credit checks and you can access your offer in a few clicks.

• Flexible Payments: Your payments are a percentage of your revenue so you’re never left in a tight spot when sales are slow. 

• Dedicated support: Our team of experienced Revenue Managers is here to help with anything you might need! Reach out here, and we’ll be in touch soon.

Your cost of capital will be a single flat fee that you pay back over time as a percentage of your future revenue. There are no compounding interest charges, requirements for personal collateral, or additional fees when sales are slow.


The fee you pay is a percentage of the total capital you advance and is determined based on factors such as your historical transactions, projected revenue, and payment processing volume.



We strive for transparency and simplicity in our pricing structure, so you know exactly what to expect. No surprises.

You’ll pay your advance over time as a percentage of your revenue. The exact payment amount will fluctuate based on your business's revenue, ensuring greater flexibility and aligning payments with your cash flow. Your payment details will be up-front and transparent when you review your offer, with no hidden fees or restrictions.

You can choose to advance as much or as little of your offer as you want until the offer expires. This makes it easy to just use what you need, when you need it, and only pay for the amount that you advance. 

If you only used part of your limit and later want to advance more while your offer is still active, the terms will adjust accordingly, which is transparently displayed in your dashboard. For example, if you have a  £100k limit and a 10% payment rate, you can choose to only use  £50k and your payment rate will update to 5%, with your fee fluctuating as well. If you advance another £20k, your payment rate will increase to 7% (2% increase).