For businesses taking regular card payments who want more control over cashflow

See what may be available

based on how your business already trades

VAT coming up, stock to order, suppliers waiting?

If you’re already taking card payments, there may be a simpler way to manage your cashflow.

It takes a couple of minutes to check and doesn’t affect how your business currently runs.

Submit your details and you’ll be able to book a short call with Jo to review your current setup and see what options may be available to your business.

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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
• You’re generating sales, but the timing doesn’t always work in your favour

How Card-Based Funding Works

If you’re already taking card payments, your existing turnover can be used to access working capital when you need it.

Instead of fixed monthly repayments, everything moves in line with your sales, so it stays manageable as your business changes.

It’s simple, clear, and 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 give you clear answers, help you make the right call for your business,

and make the whole process feel straightforward from start to finish.

How Card-Based Funding Works

Getting clarity on your options shouldn’t take weeks.

We take a quick look at how your business is currently taking card payments and talk you through what may be available to you.

If it makes sense, you can move forward. If it doesn’t, you’ll know quickly.

Simple, no pressure, just clear answers. Either way, you’ll leave the call with clarity.

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 Best Suited 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. It’s based on your card sales, and repayments move in line with your turnover rather than fixed monthly payments.

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.