MERCHANT CASH ADVANCE
What is it?
A Merchant Cash Advance (MCA) gives your business a lump sum of funding upfront.
In return, you repay through a fixed percentage of future credit and debit card sales.
Unlike traditional loans, there are no fixed monthly repayments or standard interest charges.
Payments adjust with your sales, making it a flexible option that supports cash flow.
FOUR SIMPLE STEPS
How it works
Complete our online form
Fill in a few basic details about your business — it only takes a couple of minutes.
We match you with lenders
We search our panel of lenders to find the right loan for your business.
Receive your options
Get clear, tailored loan offers with no obligation — compare and choose what works for you.
Get funded fast
Accept your offer and receive funds in your account — some lenders offer same-day funding.
QUICK ACCESS TO CAPITAL
Benefits of a Merchant Cash Advance
Rapid access to capital
Same-day or next-day funding in many cases — get the cash your business needs without delays.
Repayments flex with your sales
Repayments are automatically deducted as a percentage of your card sales — so you pay less when business is quieter.
No fixed monthly payments
Unlike traditional loans, there are no set monthly amounts — repayment adapts automatically to your revenue.
No interest rates or hidden fees
A Merchant Cash Advance uses a simple factor rate — one clear cost agreed upfront, with no surprises.
Based on card terminal revenue
Ideal if you take card payments — your advance is based on your monthly card sales, not your credit score alone.
Competitive rates across 50+ lenders
We search our panel of lenders to find you the most suitable MCA with competitive pricing and flexible terms.
MERCHANT CASH ADVANCE ELIGIBILITY
Eligibility criteria
- Trading for at least 3 months
- Takes card payments via a card terminal
- Minimum monthly card turnover of £5,000
- UK registered business
- Positive cash flow and a defined business purpose for the funds
- Financial statements may be required depending on advance size
Eligibility criteria vary by lender. We'll match you with lenders whose requirements best suit your business profile — with no impact on your credit score to apply.
Rates & terms
Costs vary by lender and are expressed as a factor rate rather than an interest rate. Repayments are automatically collected as a percentage of card sales. Subject to status and affordability.