Card Terminals

Card Terminals

From Pax, Ingenico, Spire, Epos Now, E-Commerce and Virtual Terminals, KJM Card Services provide every option available to ensure you have the correct option for your business

Business Cash Advance

Business Cash Advance

What is Business Cash Advance?
A means of releasing your average monthly takings as a cash sum which is then repaid via every card transaction taken through the card terminal.

Thanks to business and merchant cash advances, businesses all over the UK are being given the opportunity to grow.
There are many reasons why small businesses often require access to capital: New equipment, refurbishments, hire additional staff or invest in advertising. However, if you’re a small business and your application has been rejected by the bank, you might worry that your company’s success is in jeopardy if you are unable to finance these necessary expenses.
Thankfully, there is an alternative finance source available – a Business Cash Advance from KJM Card Services & our partner lender. But just what is a business cash advance, and why should you come to KJM Card Services to discuss your cash advance options? While we aim to provide the answers to any questions you might have on this page.
KJM Card Services have partnered with the largest lender for Business Cash Advance. With a 5 star customer feedback rating, and with over £300m provided to over 10,000 SME’s, we think we have found the ideal partner.

How does it work:

• The lender – Liberis – takes a ‘split’ from each card transaction until the advance is repaid
• There is a specified amount advanced, and a specified amount to be repaid
• There is no APR
• No interest
• No end date
• The advance is repaid in line with your business flows

Business Cash Advance

If you have a card terminal this is a way of releasing cash. You have quiet times and busy times. The way that this is repaid means that it fits in with your business model exactly.

Card Terminals

From Pax, Ingenico, Spire, Epos Now, E-Commerce and Virtual Terminals, KJM Card Services provide every option available to ensure you have the correct option for your business.

Text Marketing

KJM send texts to your customers who have opted to receive them and together we will find ways of ensuring that they return much more frequently. Your sales should increase year on year. 

Energy Switching

KJM can buy today’s rates at today’s prices and lock them in. This means that when your existing contract ends you won’t get hit with a massive price rise. We can forward contract you up to twelve months ahead.

Text Marketing

Bring back customers more frequently and increase sales.

KJM Card Services provides a comprehensive text marketing system. The texts are issued with your business name as the header. Sales should increase by more than 20% in year one.

What sort of incentives should be used?

  • One restaurant in Edinburgh city uses a weekday incentive – ‘Return with three of your friends on Wednesdays or Thursdays and receive a complimentary bottle of wine for the table’. This incentive proved so popular that the business owner had a record number of opt-ins, and because the customer was receiving a free bottle of wine the owner found that they were buying more wine again for the table. He ended up selling a lot more wine than usual and he is filling seats on quiet days.  
  • One city centre coffee shop uses a different incentive every time – ‘As a reward for joining Honeycomb & Co reward scheme, please use this text to claim your free scoop of gelato’.  

The idea is to get customers to return much more frequently, especially on quieter days.

One multi-outlet restaurant chain in Edinburgh sends a text to all 9,000 customers (who opted in). The text goes out in late December and offers a ‘buy one get one free’ incentive during the entire month of January. The owner of this business knows that they will be quiet in January, so he mitigates this early. His view is that they would rather have 50% of something that 100% of nothing.

Contact us now for a consultation.  

We can give you ideas, costs and an idea of your anticipated return. Existing customers of KJM Card Services are offered a free, three month trial period. To qualify you must have used KJM Card Services for your either your card terminals, merchant cash advance or your energy switching.

Energy Switching

Energy Switching

KJM can buy today’s rates at today’s prices and lock them in. This means that when your existing contract ends you won’t get hit with a massive price rise.

Meet the team…

Keith McCraw

Keith: He has over 20 years in the financial services sector. He began with the sale of regulated funds and investments to independent financial advisers. Latterly however, his experience has been within the card acquiring and payment processing arena. KJM’s vision is to ensure that small to medium-size business owners benefit from the low costs and charges that larger, multi-outlet business owners benefit from.

Kevin Hayler

New Sales Director:
Kevin Hayler is a seasoned professional within the payments industry has successfully created and led some of the most successful ISOs in the UK. He has over twenty-five years of experience in our industry and brings with him a fully accredited training program for new recruits.
KJM Card Services is proud to have Kevin on board with his ‘Sales Made Easy’ system which offers new recruits the ability to gain this qualification in the card acquiring sector. Once you have completed modules 1 to 10, you will have become fully acquainted with our industry. You will be ready to change your life and earn a substantial income.

Tamling Chan

With extensive professional experience in the banking and hospitality sectors, Tamling has a full understanding of the need for business owners to reduce costs and increase profitability. Tamling provides individual consultations and ensures that our product is built around your business model. From choosing the best card processing system to increase sales, Tamling will provide clear and concise advice.

Nigel Ronson 
tel: 07967 396186

Nigel is the consummate sales professional whose work ethic is one to be proud of. Nigel is based in Harrogate and is covering this area along with York, Leeds, Manchester and the surrounding areas. It is great to have Nigel on board because his core focus is to support the customer on their journey with KJM Card Services and to ensure ethical, practical solutions have been created for them.

Simon Reynolds

A degree educated teacher turned businessman with over 30 years experience of building businesses and driving them forward. Simon’s expertise – also gained within the hospitality sector – means that his knowledge has been forged at the coalface.  With this background, Simon has a thorough understanding of the needs of SME’s both in merchant services and business funding.

Gavin Dallas 
tel:  07548 998110

Gavin covers the Edinburgh and surrounding area. He is a sales professional who is keen to ensure he creates the appropriate product for the customer so that his existing customers are 100% satisfied with their card payment solution. It is a great pleasure to have Gavin on board as his ethics and values fit into KJM Card Services’ ethos and purpose entirely.

Brian Paylor 
tel: 07508 170281

Brian covers East Lothian, Fife and almost everywhere else in between. He has spent a large part of his career in financial services sales and latterly – a subject which is close to his heart – audiology sales. He is extremely customer focused and works hard to build the solution around his customer’s needs and requirements. It is a pleasure to have an ethical salesperson like Brian on board. He is exactly the kind of individual we need here at KJM Card Services.

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