For businesses who want extra cashflow quickly, using the card payments you already take,

with repayments that move with your sales.

Access Fast Funding Based on Your Card Sales.

Clear, Simple and Designed Around How You Already Trade

VAT coming up, stock to order, suppliers waiting, or a busy period on the way?

When timing gets tight, card-based funding can give you fast breathing room by using the card payments your business already takes.

You get access to working capital in 24–48 hours, with a clear fixed cost agreed upfront and repayments that move automatically with your daily sales, higher when you’re busy, lower when things are quiet.

No rigid monthly bills, no complicated applications, just a simple way to support your cashflow when you need it.

Fill in your details below and book a call to chat through everything.

First Name

Last Name

Phone *

Email *

I confirm the information provided is accurate and I am authorised to discuss this business.

I agree to be contacted by Jo Martin or her team regarding my enquiry and understand my details will be handled in line with the privacy policy.

When Cashflow Timing Starts Controlling Your Decisions

Even profitable businesses hit moments where timing doesn’t line up.

• VAT is due before large payments land
• Supplier invoices need paying now, not next week
• Stock needs ordering before busy periods
• An opportunity to grow comes up, but capital is tied up in card sales
• Capital is tied up in card sales when you need it most

How Card-Based Funding Works

• Funding is calculated based on your card turnover
• A fixed cost is agreed upfront, no hidden surprises
• Repayments are taken automatically as a small percentage of daily card sales
• No lump-sum repayments
• No lengthy forms or complicated applications

Simple. Transparent. Built around how your business already trades.

Why Businesses Just Like Yours Choose to Work With Me

Hi, my name is Jo and I work directly with small and medium businesses across the UK, helping them improve how they take card payments and access funding when it makes sense.

I understand the pressure you’re under when it comes to payments and cashflow. Timing, payouts, suppliers, VAT, stock, staff… it only takes one thing to fall out of sync for everything else to tighten.

My job is simple: help you make smarter decisions with your card payments, cut through the noise, and give you straight answers about funding, what’s possible, what’s not, and what actually makes sense for your business.

Here’s what that looks like in practice:

You get one point of contact, me. No queues, no ticket numbers.

I’ll tell you quickly whether funding makes sense for your business right now, or whether it’s better to wait.

I explain costs and options in plain English, not financial jargon.

You get support from someone who actually understands how SMEs run day to day.

If you decide to switch, I handle the setup and stay with you afterwards, not just until the sale.

I’m here to make everything straightforward, clear answers, quick decisions,

and support from someone who actually understands how businesses just like yours run day to day.

How Card-Based Funding Works

Getting clarity on your options shouldn’t take weeks, or a stack of paperwork.

The process is simple:

We review your business and card turnover

We take a quick look at your recent card sales, you receive a clear funding offer with a fixed cost, and if it suits yo, funds are usually released within 24-48 hours.

Repayments come out automatically as a small percentage of your card sales, so they rise and fall naturally with how busy you are.

Why Card-Based Funding Works for SMEs

Card-based funding is built for businesses that already take regular card payments. It uses the turnover you’re already generating, meaning you’re not tied to rigid monthly repayments or long bank processes. When sales are steady, repayments move with you. When quieter periods hit, the system flexes automatically.

It’s designed around the rhythm of real businesses, not the rules of a bank.

Who This Is For...

Card-based funding is a strong fit if:

You take regular card payments through your terminal or POS

You need faster access to capital for stock, VAT, suppliers, equipment or expansion

You prefer a clear, fixed cost rather than unpredictable fees or bank negotiations

You want repayments that flex with your sales, not rigid monthly commitments

You’d like to review your current setup with someone who can give you straight answers

It’s for established operators who want clarity, speed and a simple way to improve cashflow without slowing the business down.

Frequently Asked Questions

Do I need to switch my card machine to access funding?

Yes, card-based funding works through your terminal, so it needs to run through Dojo’s system. If switching doesn’t make sense for your business, you’ll be told upfront.

How quickly can I get funding?

Most eligible businesses receive funding within 24–48 hours after approval. The process is designed to be fast and practical.

Is this a loan?

No. Card-based funding has a fixed cost agreed upfront and is repaid automatically as a small percentage of your daily card sales. No lump-sum repayments, no interest rates, no monthly instalments.

Will repayments affect my cashflow?

Repayments move with your sales, higher during busy periods, lower when it’s quieter. This is why many SMEs prefer it to traditional loans.

What if I apply and it’s not the right fit?

You’ll know quickly. The goal is clarity, not pressure. If it’s not suitable, you’ll leave the call knowing exactly why, and with a better understanding of your options.