A Merchant Cash Advance (MCA) is a fast and flexible funding solution that provides businesses with immediate capital based on their daily card sales, not credit scores or collateral. It’s particularly suited to sectors like retail and hospitality, where card transactions are frequent. MCAs can be used for cash flow support, inventory purchases, marketing, or unexpected expenses. Repayments are made as a percentage of daily card sales, meaning the amount repaid adjusts with business performance, offering flexibility during slower trading periods.
A Merchant Cash Advance (MCA) is typically available to businesses with a steady stream of credit card sales or other daily card payments. Lenders assess your sales history, business performance, and transaction volume. You do not need to offer collateral, but a strong sales record is essential to qualify.
The amount available through a Merchant Cash Advance depends on your average monthly credit card sales. Typically, MCA lenders offer funding between £1,000 to £500,000. The advance is usually a percentage of your monthly card receipts, with lenders advancing a portion of your future sales.
Once approved, Merchant Cash Advances can be funded quickly, often within 24–48 hours. The application process is streamlined and requires minimal paperwork, making it a fast solution for businesses needing immediate cash flow.
A Merchant Cash Advance can be used for various business expenses, including purchasing inventory, paying for marketing campaigns, covering operational costs, or handling urgent cash flow gaps. It’s ideal for businesses that rely on daily credit card sales or receipts.
The costs of a Merchant Cash Advance typically include a factor rate (instead of traditional interest) ranging from 1.1 to 1.5. The repayment is made daily or weekly as a percentage of your credit card sales, which means payments fluctuate with your sales. There are no set loan terms, but most MCAs are paid off within 6 to 18 months.
Complete our quick online form with a few details about your business and what you need funding for. No commitment, no jargon.
A dedicated finance expert will get in touch to understand your needs and tailor options that work for your business.
We’ll match you with trusted lenders from our panel, offering competitive rates and flexible terms suited to your sector.
Review your finance offers with full transparency. We’ll guide you through the details so you can make a confident decision.
Once approved, your funds are released quickly — often within 24–48 hours — so you can get back to growing your business.
Healthcare (private practices)
Education & Non-profit
Services (Retail and Hospitality)
Entertainment & Media
Repayments are made automatically as a fixed percentage of your daily card sales, ensuring flexibility during slow periods.
Payments adjust with your sales, so there’s no fixed repayment schedule, easing pressure during slow months.
The amount depends on your average monthly card sales, typically up to 1.5 times your monthly turnover.
No, MCAs are unsecured, and repayments are based on your future sales rather than physical asset, though some lenders may require a Personal Guarantee to be signed.
Funds can often be disbursed within 24-48 hours of approval. It is typically fast to be approved, with the bulk of time taking up in the process of transferring card sales to the lender - a process done by the card provider.
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"Merchant cash advances provide flexible funding based on future credit and debit card sales. Repayments are automatically tied to business turnover, making this an ideal solution for companies with fluctuating revenue looking for quick and accessible finance."
