Banks look at your past. We look at your real trading.
You have customers, card takings, a business that is ticking over. Yet the moment you need cash, your bank asks for years of accounts, security and personal guarantees.
It can't see this week's sales. It sees a file — and it says no.
Traditional finance
3 to 6 weeks to process
Personal guarantee usually required
Decision based on past accounts
Frequent refusals with no explanation
With Trezio
Decision in 24–48h
No personal guarantee
Based on your real card takings
Terms known before you sign
Eligibility
Built for businesses with real trading activity.
You don't need perfect accounts. If your business is trading and taking more than £5,000 a month in card sales, you deserve a boost.
🍽️
Restaurants & Pubs
Restaurant, bistro, pub, bar, café
🥖
Food & Takeaway
Takeaway, bakery, grocer, butcher
✂
Hair & Beauty
Salon, barber, nails, spa
🛍
Retail
Shop, boutique, fashion, accessories
🏋
Sport & Wellbeing
Gym, studio, fitness, beauty
🚗
Services & Auto
Garage, MOT, dry cleaner, florist
£5,000
Min. monthly card takings
3 months
Minimum trading
B2C
Sells to the public
UK
England, Scotland, Wales & NI
Sectors
Solutions tailored to every type of business.
Whatever your trade, Trezio puts your application in front of the partners best suited to your activity.
We hold no funds. Our role: champion your application and connect you with the right finance partner by showcasing your real trading.
💸
Free for you, always
Our support is 100% free. We're paid by our partners only when funding is agreed.
🤝
A real person to talk to
A Trezio adviser calls you personally. A genuine conversation, not an automated form.
🔒
Zero commitment before an offer
You check your eligibility with no obligation. We only make an introduction if you say yes. No surprises.
By the numbers
Real results for UK businesses.
48h
Maximum decision time after your application
£200K
Maximum available in a single advance
£0
Introduction fee for the business
x3
Renewals possible within the same year
They trusted us
Business owners who said yes to their growth.
Funds in their account in under 48 hours. Their words, unfiltered.
★★★★★
£30,000 agreed
⚡ Funds received in 36h
“I had no hope with my bank — three weeks of paperwork for a refusal. Trezio called me back the next morning. Within 36 hours the £30,000 was in my account.”
SC
Sophie C.
Pharmacy owner — Manchester
★★★★★
£15,000 agreed
⚡ Funds received in 24h
“My oven died at the busiest time and my bank told me to call back in three weeks. Trezio explained how it works in 20 minutes. 24 hours later, £15,000 was in my account.”
MR
Mark R.
Baker — Leeds
★★★★★
£50,000 agreed
⚡ Funds received in 48h
“Opening a second site, I needed £50,000 quickly. Trezio championed my application by putting my real turnover front and centre. 48 hours after our call, the funds were there.”
KD
Karim D.
Restaurant owner — London
Illustrative examples based on typical client outcomes. Individual results vary.
Areas we cover
Available across the UK — with a focus on London.
Trezio supports small businesses across England, Scotland, Wales and Northern Ireland. Our team knows the London market particularly well, where our partners are active every day.
Central London
City · Camden · Westminster · Islington
East London
Hackney · Tower Hamlets · Newham · Stratford
South London
Croydon · Lambeth · Southwark · Wandsworth
West London
Hammersmith · Ealing · Brent · Hounslow
Greater Manchester
Manchester · Salford · Bolton · Stockport
West Midlands
Birmingham · Coventry · Wolverhampton
Yorkshire
Leeds · Sheffield · Bradford · York
Scotland
Glasgow · Edinburgh · Aberdeen · Dundee
We also work with businesses everywhere else in the UK. Wherever your business is, your application is championed in exactly the same way.
Top UK cities outside London
Select your city to see how our finance partners read local trading and seasonality.
Manchester
North West
A fast-growing economy of around 550,000 residents. Hospitality, independent retail, food and beverage and personal services: our partners know the Manchester market well. Restaurants in the Northern Quarter, bars in Deansgate and salons across Greater Manchester are funded regularly.
Birmingham
West Midlands
The UK's second city, around 1.1 million residents. Hospitality, retail and services across a dense, diverse high-street economy. Independent restaurants, takeaways and shops in the city centre and suburbs are well understood by our partners.
Leeds
Yorkshire
A leading northern commercial hub, around 800,000 residents. Hospitality, retail and a strong student-driven trade. Bars, cafés and shops in the city centre and the arcades are typical files our partners support.
Glasgow
Scotland
Scotland's largest city, around 635,000 residents. Hospitality, retail and personal services with strong seasonal peaks around events and festivals. Restaurants and salons in the Merchant City and West End are funded regularly.
Liverpool
North West
A vibrant waterfront economy, around 500,000 residents. Tourism, hospitality and independent retail with strong weekend and seasonal peaks. Bars and restaurants around the docks and city centre are typical cases.
Bristol
South West
A dynamic, independent-minded city, around 470,000 residents. A thriving independent food, drink and retail scene. Cafés, restaurants and shops across the harbourside and Gloucester Road are well supported.
Edinburgh
Scotland
Scotland's capital, around 530,000 residents. Tourism and hospitality with very strong seasonality around the Festival and Hogmanay. Hotels, restaurants and shops in the Old and New Town are read with that seasonality in mind.
Cardiff
Wales
The Welsh capital, around 360,000 residents. Hospitality and retail with strong peaks around match days and events. Bars, restaurants and shops in the city centre and Cardiff Bay are funded regularly.
Newcastle
North East
The North East's commercial heart, around 300,000 residents. A lively hospitality and nightlife economy with strong weekend trade. Bars, restaurants and salons across the city centre and Quayside are typical cases.
Frequently asked questions
What you want to know before you start.
Is the Trezio introduction really free?+
Yes, completely free for you. Trezio is paid by its finance partners only when funding is agreed. You never pay us anything at any stage.
Do I need to give a personal guarantee or security?+
No. A merchant cash advance is based on your real card takings — not on your home, personal assets or filed accounts. Your personal property is not put up as security.
What does the funding actually cost?+
The partner applies a single fixed factor to the amount advanced — typically between 1.15 and 1.40 depending on your profile and the amount. There is no APR and no compound interest. The total you repay is fixed and shown clearly before you sign. No surprises.
Is the repayment really fixed in advance?+
Yes. The total amount to repay is agreed before you sign. Repayment is taken as a small fixed percentage of your daily card takings, so it flexes with your sales — but the total never changes.
My business is seasonal — is that a problem?+
No, quite the opposite. Repayment is indexed to your card takings: you pay back more in your busy season and less when it is quiet. It is built for the reality of seasonal trade.
Is Trezio a bank or a lender?+
No. Trezio is an independent introducer operated by JY Capital Consulting Ltd. We hold no funds and give no regulated financial advice. Our role is to connect you with vetted specialist finance partners.
Ready to start?
Check your eligibility in 2 minutes.
Simple enquiry, no obligation. A Trezio adviser calls you back within 24h to champion your application with our finance partners.
