A long-standing client in the energy sector returned to Spark for help navigating a challenging funding environment. While the business was performing well with strong financials and steady revenue, they were highly exposed to existing finance facilities, limiting access to traditional lending.
Seeking £150,000 to support operational cash flow and ongoing projects, the client needed a solution that wouldn’t add pressure to their current repayment commitments.
Given the client’s consistent card revenue and reliable turnover, Spark proposed a Merchant Cash Advance (MCA), a funding option ideal for businesses needing flexibility and quick access to capital.
We carried out a full assessment of their monthly card sales and funding requirements. Leveraging our network, we sourced a lender willing to go beyond the original ask, ultimately securing a £170,000 MCA—delivered swiftly and on terms that worked for the business.
The client successfully received £170,000 in funding through an MCA tailored to their trading performance. This facility provided:
This funding gave the energy business the agility to manage short-term cash flow while maintaining momentum in project delivery and operations.
If your business take card payments and need funding outside the limits of traditional finance, Spark can help. With access to a wide range of alternative solutions and we’ll match your needs with the right lender - fast, flexible, and future-focused.
A Merchant Cash Advance (MCA) is an alternative form of business funding where a lender advances a lump sum, which is then repaid via an agreed percentage of daily card sales. It’s particularly well-suited for businesses with steady turnover but limited access to conventional loans, offering flexibility and scalability with repayments that match trading activity.
As a founder of multiple businesses, Jamie believes that mindset, discipline and ambition are key drivers for success, both for his businesses and for his clients.
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