Handepay’s business finance solution is simple and hassle free!

Owner of Gilberts Equestrian and Country, Penny Gilbert, has grown her equestrian clothing and supplies business over the past ten years. During lockdown she expanded the company, now selling plants and country lifestyle products.


Penny accessed Handepay Business Finance to boost her cash flow.


Store“Saving money and maintaining a healthy cash flow is such an important part of running a business.

When I joined Handepay in 2018, I was swayed by the great savings on offer, plus the personalised service. The support I’ve received over the past two years has been excellent.

In January 2020, I was pleased to discover that Handepay had introduced a business finance option, provided by YouLend, that can be paid back through the takings on the card machine.

I decided to use the service as a quick and simple way to boost my cashflow at the beginning of the year, applying was simple and I had the money I needed in no time at all!


No one could have predicted how 2020 would turn out, but it was certainly a strange year for businesses.

At the beginning of the pandemic and national lockdown, everybody assumed that I was closed. My shop is tucked away, so we don’t get much passing trade.

However, the business was able to remain open as we’re a stockist of essential pet food products.


Shop front with garden flowers and shrubs

Foot fall and visitor numbers were down, so I planned to diversify to bring in more money over the summer. I filled our car park with outdoor plants, alongside garden accessories.

I’ve done a roaring trade! There’s no other garden supplies stores locally, so I’ve managed to expand my customer base.

I contacted Handepay Business Finance again in July, to renew my funding and boost cash flow during the summer months.

I don’t have to worry about repayments, as a small amount of my daily card transactions are automatically taken to repay. There’s no need to save up a large monthly fee, and no admin hassles involved in paying.

It’s a relief to have a quick and simple finance option available whenever I need it!”

Financial disclaimer:

Terminal hire contracts are provided by Merchant Rentals Limited, who is authorised and regulated in the UK by the Financial Conduct Authority (FCA) for Consumer Hire under FRN 720500. Terminal hire can be for consumer hire and non-regulated hire contracts. Please check your contract carefully for details. Regulation of all consumer hire fall under the control of the FCA.

Handepay Ltd is authorised and regulated by the FCA for Consumer Credit under FRN 673564. Handepay is a credit broker for consumer hire not a lender.

Handepay acts as an introducer of card acquiring services on behalf of EVO Payments UK, the card acquiring service provider. EVO Payments UK is the trading name of EVO Payments UK Ltd, a payment institution that is authorised and regulated by the Financial Conduct Authority (FRN number 959332).

Existing Cards Businesses- The one-month rolling terminal hire contract from Merchant Rentals is only available to businesses that are switching from their current acquirer to EVO Payments UK arranged through Handepay.

New to Cards Businesses- The 12-month terminal hire contract from Merchant Rentals is only available to businesses that are new to card payments and wish to receive acquiring services from EVO Payments UK, arranged through Handepay.

The Next Day Banking Settlement service provided by EVO Payments UK incurs an additional fee of £4 a month on top of your acquiring service charges and fees. Provided your card machine performs a reconciliation before 12am (midnight), you’ll receive settlement of funds the next banking day.

Editorial disclaimer:

The information we provide does not constitute financial advice and might not apply to your business. Always carry out research into your business’ needs when choosing a new merchant services provider.

Sometimes, we link to other third-party websites to provide you with additional information. At the time of publication, we consider the information accurate, however, we do not have control over their content and are not responsible if any information on these websites change.

The products we display on our website are for illustrative purposes only - if your business requires additional facilities, you may receive a different model than advertised.

All of the information contained on this website, including fees, services and functionality, are correct at time of publishing. E&OE.