Stock dealRefurbCloses Friday
Growth opportunities do not always wait
Sometimes the business needs to act quickly for stock, equipment, refurbishment, expansion, or working capital, and waiting on a traditional bank process is simply not practical.
Services · Business Funding
Flexible business funding without fixed monthly pressure
If your business takes card payments, you may be able to access funding more quickly and with less friction than through traditional routes. NEOM helps businesses explore funding options linked to real trading performance, with repayments that move with card takings rather than staying fixed every month.
Repayments that breathe with trade
Illustrative week · sweep at 12% of takings
£228
£1,900
Mon
£258
£2,150
Tue
£288
£2,400
Wed
£324
£2,700
Thu
£408
£3,400
Fri
£348
£2,900
Sat
£0
Closed
Sun
£2mfunding available, up to
~48 hrstypical offer window
£0swept on a closed day
Why Businesses Use Funding
Good businesses still hit tight moments.
Funding is rarely about trouble. More often it is about moving on an opportunity before it passes, or smoothing the gap between a busy season and a quiet one.
01
TradingStrong
Cash this monthTight
Cash flow can get tight even in good businesses
A business can be trading well and still need a funding boost to move faster or smooth out short-term pressure.
Bank repaymentFixed
Your takingsRise & fall
Traditional lending can feel too rigid
Fixed repayments every month do not always suit businesses where takings rise and fall throughout the year.
Why This Funding Model Appeals
Funding that moves at the speed you do.
NEOM · Funding
Repayments move with the business
Because the payback is linked to card takings, quieter periods do not carry the same fixed monthly repayment pressure.
£2m
Funding available, up to
Linked to real trading performance. Offers often within 48 hours.
Fixed monthly repayment£1,400
Same in a quiet month£1,400
Pressure when trade dipshigh
Daily takingsSweepFeels like
Busy Fri£3,400£408
Steady Tue£1,900£228
Quiet Mon£900£108
Closed day£0£0
Typical offer window
~48 hrs
Trade less, repay less. Trade nothing, repay nothing that day.
The process is fast
With the right information in place, businesses can often receive funding offers within 48 hours.
Details shared
Monday · 10:00am
Offer on the table
Wednesday · 9:30am
It feels less intrusive than a bank
The process is typically more straightforward and more commercially focused than a conventional lending application.
Bank applicationForms, meetings, weeks
This routeTrading data · days
Commercially focused, not box-ticking
Quieter weeks carry less weight
Because the payback is linked to card takings, quieter periods do not carry the same fixed monthly repayment pressure.
Busy weekRepay more
Quiet weekRepay less
No fixed direct debitMoves with trade
It supports businesses that want to keep moving
For many businesses, the real benefit is speed and flexibility rather than waiting around for a slower, more rigid route.
N
Your NEOM contact
Coventry · funding & payments
Offer’s back. Want me to talk you through it?
See what your business could access
A short conversation about how you trade is enough to find out what funding may be possible.
How It Works
Four steps from conversation to funding.
Initial review
We gather a few details about the business and how it trades.
Open banking link
The business approves an open banking link so the funding provider can review real recent trading performance.
Offer stage
Based on that data, the provider can usually return one or more offers quickly.
Repayment through card takings
Repayments are then taken as an agreed sweep from daily card takings, rather than through a fixed monthly amount.
The Headlines
Three numbers worth knowing.
01
Up to £2 million
Funding can go up to £2 million, depending on the business and its trading strength.
02
Offers often within 48 hours
With the right information in place, a funding offer can frequently be produced within two working days.
03
Repaid through takings
Repayments are linked to card takings, so the amount taken changes with the level of trade.
FAQs
Business funding, answered.
Still unsure about something? A quick chat usually clears it up faster than a form.
Talk to an expertFunding can go up to £2 million, depending on the business and its trading strength.
In many cases, a funding offer can be produced within 48 hours.
Repayments are linked to card takings, so the amount taken changes with the level of trade.
The business does need to be taking card payments, but that does not necessarily mean it already has to be on a setup introduced by NEOM.
Case Studies
Helping local businesses run better.
Fees cut by
46%
KENILWORTH · was on Dojo
The Rocking Horse Coffee Shop
Problem. On a fixed contract with limited reporting, the café wanted simpler admin and room to stay flexible.
What we did. Moved them to Teya with clear takings reporting and no contract.
Fees cut by
30%
COVENTRY · was on Dojo
Purdy’s Pet Shop
Problem. Wanted transparent pricing, quicker settlement, and payments that talk to the EPOS till.
What we did. Teya with EPOS integration and 7-day settlement, so sales reconcile cleanly.
Fees cut by
50%
COVENTRY · was on SumUp
Coventry Mobile Bars
Problem. Signal drops at events were costing bar sales, and slow settlement squeezed cash flow.
What we did. Shift4 with connectivity that holds up at events, plus faster settlement.
Fees cut by
35%
COVENTRY · was on Worldpay
The Jacobean Hotel
Problem. Rooms, bar, restaurant and events ran on disjointed tills, with no clean way to hold deposits.
What we did. Teya EPOS across every outlet, pre-authorisation for deposits, and clear reporting.
Fees cut by
30%
LEAMINGTON SPA · was on Dojo
The Hope
Problem. Tied into rental on terminals they wanted to own, paying more than they realised.
What we did. Removed rental with owned terminals and added 0.5% cashback on business spending.
Fees cut by
40%
COVENTRY · was on Dojo
Kasbah
Problem. Packed club nights meant any slow or dropped terminal at the bar cost serious money, with little clear reporting behind it.
What we did. Teya with fast, reliable payments, lower fees on high volumes, and reporting that makes sense of big nights.
Fees cut by
30%
COVENTRY · was on Dojo
HMV Empire
Problem. Bar service during live events needed faster, dependable terminals, with hundreds wanting served at once.
What we did. Rapyd with quick, reliable card payments built for high-volume live-music nights.
Fees cut by
35%
RUGBY · was on Clover
Hunts Bookshop
Problem. Wanted lower costs, a dependable till and clearer reporting to keep an independent shop’s margins healthy.
What we did. Rapyd with reliable payments, user-friendly reporting and lower fees on every sale.
Fees cut by
25%
COVENTRY · was on Barclaycard
Ivy House
Problem. Busy events brought slow terminals, long bar queues and processing costs that crept too high.
What we did. Shift4 with fast, reliable payments and connectivity that holds up when the venue fills.
Fees cut by
30%
COVENTRY · was on Dojo
Keresley News
Problem. Processing fees were eating into tight margins on low-value sales like papers and confectionery.
What we did. Teya with lower-cost, reliable payments suited to high-frequency, small-ticket retail.
Real NEOM client switches. Each figure shows how much the business cut its card processing fees by. Read the full story behind each one.
See what you could save.
No pressure and no jargon, just a straightforward conversation about your business and what you’d like to improve.