Core Insights - Square is expanding its working capital solution, Square Cash Advance, to businesses in the United Kingdom, providing fast access to funds for daily expenses without interest, only a simple upfront cost [1][2] - The service allows approved businesses to receive funding within days, with repayments collected as a percentage of card sales until the balance is paid off [3] - Research indicates that small and micro businesses are actively seeking better cash flow solutions, with cash flow issues being the leading cause of small business failures in the U.K. [4][5] Business Impact - The introduction of Square Cash Advance aims to alleviate cash flow pressures for small to medium-sized businesses (SMBs), which have led 54% of them to rely on credit cards for funding [5] - The reliance on credit cards, while accessible, poses risks such as potential threats to credit scores and long-term financial stability due to the intermingling of personal and business credit [5] - Additionally, half of financial institutions reportedly reject micro-business loan applications due to issues with verifying legitimacy, highlighting a gap in funding options for these businesses [6]