What is a merchant cash advance?

A merchant cash advance (MCA) provides upfront funding in exchange for a percentage of your future card sales. Unlike a traditional loan with fixed monthly repayments, MCA repayments flex with your revenue - you pay more when sales are high and less when they're slow. This makes it ideal for businesses with seasonal revenue or variable income. Most MCAs are available to businesses processing at least £5,000 per month in card transactions.