Flexible funding based on your card sales
Repay automatically as a percentage of your daily card takings - no fixed monthly payments
Get started
Soft search only. No impact on your credit score.
Representative example: Rates from 6.9% p.a. Subject to status and lender assessment. Security may be required.
£250M+
Finance arranged
5,000+
Businesses helped
100+
UK lenders on panel
4.9
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The smarter way to find business finance
Flexible
Repayments flex with your card sales - pay more when busy, less when quiet.
Specialists
Access to all the leading MCA providers in the UK through one application.
Fast decisions
Same-day decisions and funding within 24-48 hours.
Tailored solutions
We find the right factor rate and percentage split for your business.
From application to funds in three steps
Tell us what you need
Complete our short form in under 2 minutes. Share your funding requirement, annual turnover, and finance purpose. No lengthy paperwork at this stage.
We match you with lenders
Our advisers instantly compare 100+ UK lenders and select the most suitable options for your business profile. Soft credit search only, no impact on your score.
Review offers and receive funds
Receive a clear summary of available offers with rates and terms. Accept the best option and we manage the paperwork. Funds typically released within 24-72 hours.
Get your personalised quote
in 60 seconds
Compare 100+ UK lenders with one short form. Soft search only, no impact on your credit score.
Get started
Soft search only. No impact on your credit score.
Representative example: Rates from 6.9% p.a. Subject to status and lender assessment. Security may be required.
Merchant cash advances for UK businesses
A merchant cash advance provides a lump sum repaid as a percentage of your daily card sales. Because repayments flex with your revenue, there are no fixed monthly payments to worry about. Spark Finance compares merchant cash advance providers from 100+ lenders, finding the best factor rate and repayment percentage for your card sales volume.
Do you qualify?
UK business accepting card payments
Min. 3 months card history
Min. £5k/month card turnover
No personal guarantee required by some lenders
Eligibility criteria vary by lender and product. Spark Finance works with specialist lenders who consider all business types and credit profiles. Soft search only.