Dojo Flex Funds: An Always-On Funding Safety Net for Your Business
For many UK business owners, the word "funding" often conjures images of endless paperwork, rigid repayment schedules, and the frustration of waiting weeks for a bank's decision. If you are running a fast-paced retail shop, a busy garage, or a seasonal hospitality venue, you don't always have the luxury of time. You need a financial solution that moves at the speed of your business.
That is where Dojo Flex Funds comes in. In partnership with Liberis, we offer a flexible, "always-on" funding tool designed specifically for businesses that accept card payments. It is not a traditional loan; it is a revolving capital facility that sits in the background, ready when you are.
The Problem: Traditional Lending is Out of Sync
Standard business loans often demand fixed monthly repayments regardless of whether you’ve had a record-breaking month or a quiet fortnight. This can create significant pressure on your cash flow, especially during seasonal dips or unexpected downturns. Furthermore, the application process is often a "one-and-done" affair: once you’ve used the funds, you have to start the entire process over again if you need more.
The Solution: Embedded Finance That Grows With You
Dojo Flex Funds solves this by embedding the funding directly into your payment ecosystem. Because the facility is based on your daily card sales, the repayments automatically adjust to your business performance.
If you are looking to upgrade your equipment, perhaps to the new Dojo Go Max, or if you need to stock up for a peak period, Flex Funds provides the liquidity you need without the usual stress.
Key Features of Dojo Flex Funds
When we talk about "straightforward advice," we mean looking at the actual utility of a product. Here is what makes Flex Funds a practical choice for modern UK merchants:
✔ Access from £500 to £100,000: Whether it’s a small repair or a major expansion, the facility scales to your needs.
✔ Always-on Facility: No need to re-apply once you’ve cleared your balance. The safety net remains available.
✔ No Interest Rates: You pay a single, fixed fee that is agreed upon upfront. There are no compound interest surprises.
✔ 90% Approval Rate: Because approval is based on your card turnover rather than just a credit score, more businesses qualify.
✔ Pay Only for What You Use: Signing up is free. You only incur costs when you actually draw down funds.
✔ Revenue-Based Repayments: Repayments are a fixed percentage of your daily takings.
How the "Always-On" Safety Net Works
The most innovative aspect of Dojo Flex Funds is its revolving nature. Unlike a traditional term loan, this is a facility that grows with your business.
1. The Initial Offer
Once you have been transacting with Dojo for at least seven days, your account is assessed. If you meet the criteria, you will see a funding offer directly in your Dojo for business app.
2. Flexible Drawdown
You choose how much you want to draw from your limit. For example, if you are approved for £20,000 but only need £5,000 for a new staff hire, you only draw £5,000. You only pay the fee on that £5,000.
3. Automated Repayments
Repayments are taken as a small, pre-agreed percentage of your daily card sales (for example, 10%). On a day where you take £1,000, £100 goes towards your balance. If you have a quiet day and take only £100, only £10 is repaid. If you take nothing, you pay nothing that day.
4. Replenishing Balance
As you repay, your available credit limit is replenished. This means you have a constant source of capital available for the next opportunity or unexpected cost without ever having to fill out another application form.
Why This is Ideal for the Motor Trade and Retail
Having spent 20 years in the Motor Trade, I know exactly how unpredictable cash flow can be. A sudden influx of part-exchange vehicles or an unexpected opportunity to buy stock at a discount requires immediate capital.
Useful for:
Stock Acquisition: Seizing a deal on a bulk buy of vehicles or parts.
Premises Refurbishment: Giving your showroom or shop a fresh look to attract more customers.
Staffing Costs: Covering seasonal hires or training for new technicians.
VAT & Tax Bills: Managing those larger quarterly payments without draining your operating cash.
Marketing Campaigns: Funding a push to increase turnover during traditionally quiet months.
Ideal for:
Seasonal Businesses: Venues that thrive in summer but need a cushion in winter.
High-Growth Firms: Businesses that need to move fast to keep up with demand.
Owner-Led Businesses: Professionals who don't have time to spend hours on the phone with bank managers.
Eligibility: Is Your Business a Match?
We believe in transparency, so it’s important to be clear about who can access this service. To be eligible for a Flex Funds offer, your business typically needs to meet the following criteria:
Trading History: Minimum of 6 months of trading history.
Card Turnover (CTO): At least £20,000 in annual card sales.
Dojo History: You must have been transacting with Dojo for at least 7 days.
Location: Your business must be based in the UK.
Note: This service is currently unavailable to "new-to-card" customers: those who have never accepted card payments before joining Dojo.
If you are currently paying high fees with another provider, it might be time for a merchant statement analysis. Not only could we save you money on your daily transactions, but we could also unlock this flexible funding for your business.
Speed and Transparency: The Seven-Day Timeline
One of the biggest frustrations for business owners is the "limbo" period after applying for finance. With Dojo Flex Funds, the timeline is designed for efficiency:
Initial Discussion: We chat about your business needs and current setup.
Onboarding: You join the Dojo platform and start taking payments.
The Wait: You transact for 7 days to establish your trading pattern.
The Offer: An offer appears in your app.
Funding: Once you accept, funds are typically in your account within days.
There is no unnecessary pressure to use the funds. Many of my clients simply set up the facility so it is there "just in case." It costs nothing to have it sitting there, providing peace of mind that you can handle whatever the market throws at you.
Conclusion: Take Control of Your Capital
At That Card Machine Guy, my goal is to provide more than just a terminal. I want to provide a suite of tools that help your business thrive. Whether it is identifying hidden costs in your current merchant statement or helping you grow your business through flexible funding, the approach is always the same: honest, direct, and focused on your bottom line.
Dojo Flex Funds represents a shift away from old-fashioned, rigid business lending. It is a tool built for the reality of modern trade: one where your funding partner understands that some days are better than others, and your repayments should reflect that.
If you are ready to stop "paying the lazy tax" on your merchant fees and want to see if your business is eligible for an always-on funding safety net, get in touch today. I’ll give you a straightforward assessment of your current deal and show you how Dojo can work for you.