MERCHANT CASH ADVANCE
Fast Merchant Cash
Advance
for your business
Access funding based on future card sales with flexible repayments that adjust to your revenue—ideal for retail, hospitality, and service businesses across the UK.
WHAT IS
MERCHANT CASH ADVANCE
Get an advance on future card sales with repayments that automatically adjust based on your daily revenue
Revenue-based
REPAY FROM CARD SALES
Fast
QUICK APPROVAL & FUNDING
Flexible
PAYMENTS ADJUST WITH SALES
No collateral
BASED ON FUTURE REVENUE
UK providers
TRUSTED & ESTABLISHED
We connect retail, hospitality, and service businesses with specialist MCA providers. Get funding in days with repayments that flex with your sales.
HOW IT WORKS
MCA PROCESS
From application to funding—simple, fast, and transparent
Apply online
Submit your card sales history and business details—approval often within hours
Get approved
We assess your sales volume and match you with the right provider
Get funded fast
Start applicationWho It's For
Perfect for businesses with consistent card payment volumes
Retailers
Fund inventory, seasonal stock, or expansion with revenue-based repayments
Restaurants & Cafes
Cover equipment costs, refurbishments, or working capital gaps
Service Businesses
Salons, gyms, and service providers with regular card transactions
RATES & LIMITS
TYPICAL COSTS & FACILITY SIZES
Understand the costs, advance amounts, and eligibility requirements
Factor Rates & Costs
Factor Rate: 1.1 - 1.5
For every £1 advanced, repay £1.10 - £1.50 total
Repayment Period: 3-12 months
Flexible terms based on your sales volume
Holdback: 10-20%
Daily percentage deducted from card sales
Facility Sizes & Eligibility
Advance Amount: £10k - £500k
Based on your monthly card turnover
Minimum Trading: 6+ months
UK-based business with consistent sales
Card Sales: £10k+ monthly
Consistent debit/credit card transactions
Important: Factor rates and terms vary based on your business profile, trading history, and card sales volume. Rates shown are typical ranges—contact us for a personalized quote.
BENEFITS
WHY CHOOSE MERCHANT CASH ADVANCE
Revenue-based funding that works with your business cycle
Flexible repayments
Payments adjust with your daily card sales—pay more when busy, less when slow
Lightning fast
Get approved in hours and funded within 24-72 hours—no lengthy bank applications
Check your options
Get quoteFAQS
MERCHANT CASH ADVANCE FAQS
Common questions about how MCA works
Ready to get funded based on your card sales?
Get a quote in minutes and access funds within days