Fast, Flexible Business Cash Advance Solutions for UK SMEs

A merchant cash advance (MCA) provides immediate working capital for businesses that accept debit and credit card payments. Unlike traditional business loans with fixed monthly repayments, merchant cash advances offer flexible funding where repayment aligns with your actual sales performance through an agreed percentage of future card transactions.

What is a merchant cash advance?

A merchant cash advance is short-term funding for businesses that accept debit and credit card payments, providing an alternative mode of financing to traditional small-business loans. The lender provides a lump sum that's repaid from customer card receipts, making it perfect for businesses with seasonal or variable cash flow patterns.

Key benefits of merchant cash advance funding

No Fixed Payment Structure

The advance is repaid as a percentage of future card sales with no fixed payments, fixed terms or security required. This flexibility ensures repayments automatically adjust to your business performance.

Lightning-Fast Access to Capital

Get funding from £3,000 to £500,000 in 24-48 hours with our streamlined application process designed for urgent business funding requirements.

No APR or Hidden Costs

Our merchant cash advance has no APR, fixed terms or hidden costs - you only agree on a simple, comfortable cost that is paid back typically over 6 to 9 months.

Extensive Lender Network

Access competitive terms through our network of 200+ specialist business lenders, ensuring you receive optimal funding conditions for your specific business requirements.

Small Business Funding

• Amount Range: £3,000 to £50,000

• Ideal For: Start-ups and small enterprises

• Repayment Period: 3-12 months typically

• Qualification: Minimum 3 months trading history

Medium Business Funding

• Amount Range: £50,000 to £150,000

• Ideal For: Established SMEs with consistent card sales

• Repayment Period: 6-18 months typically

• Qualification: 12+ months trading history required

Large Business Cash Advances

• Amount Range: £150,000 to £500,000

• Ideal For: High-turnover businesses with substantial card transactions

• Advanced Features: Flexible terms up to 250% of monthly card sales

• Enhanced Processing: Same-day decisions for qualifying applications

Industries perfect for merchant cash advances

Retail Businesses

Perfect for shops, boutiques, and e-commerce businesses with regular card payment volumes requiring inventory financing or seasonal stock investment.

Hospitality Sector

Restaurants, cafés, pubs, and hotels benefit from flexible repayment aligned to customer footfall and seasonal trading patterns.

Service Industries

Professional services, salons, gyms, and consultancies can access working capital without disrupting cash flow management.

Healthcare & Wellness

Dental practices, physiotherapy clinics, and private healthcare providers requiring equipment finance or practice expansion funding.

How merchant cash advance payments work.

Percentage-Based Repayment System

Rather than fixed monthly payments, an MCA allows you to repay through an agreed percentage of your future sales, typically between 10-20% of daily card transactions.

Automatic Collection Process

Repayments are automatically deducted from your card processing, ensuring seamless collection without manual payment management.

Flexible Repayment Speed

During busy periods, you repay faster; during slower periods, repayments naturally reduce, providing built-in cash flow protection.

Qualification for a merchant cash advance

Trading History Requirements

Minimum of 12 months trading history is required for most merchant cash advance providers, though some lenders accept 3-6 months for smaller advances.

Card Transaction Volume

Funding is typically capped at 120-250% of monthly card takings, ensuring repayment capacity aligns with actual sales performance.

Business Performance Criteria

• Consistent monthly card sales volume

• Profitable trading demonstrated through bank statements

• No recent defaults or CCJs preferred

• UK-registered business with card processing facility

Advanced merchant cash advance features

Multiple Funding Options

Access various funding structures including:

• Traditional merchant cash advance based on card sales

• Business cash advance using bank account turnover

• Revenue-based financing for subscription businesses

• Hybrid products combining different repayment methods

Technology Integration

• Real-time sales monitoring and repayment tracking

• Integration with major card processing systems

• Digital application and approval processes

• Mobile dashboard for repayment management

Specialist Sector Expertise

Drawing from large-scale commercial finance experience, we provide sector-specific solutions for:

• High-volume retail operations

• Multi-location hospitality chains

• Professional service partnerships

• Seasonal businesses requiring substantial working capital

Application process

Quick Assessment

Complete our simple contact form us to get in contact and gather information for a tailored quote. This is mostly done by email and phone.

24-Hour Decision Service

Receive funding decisions within 24 hours with our streamlined underwriting process designed for speed and efficiency.

Same-Day Funding Available

For qualifying applications, funds can be transferred to your business account within 24-48 hours of approval.

Merchant Cash Advance vrs traditional business loans

Flexibility Advantages

• No fixed monthly payments affecting cash flow

• Repayments automatically adjust to business performance

• No lengthy application processes or extensive documentation

• No personal guarantees or security required typically

Speed Benefits

• Funding available in days, not weeks or months

• Minimal paperwork compared to traditional lending

• Digital-first application and approval process

• Quick access to working capital for urgent business needs

Cost Considerations

While merchant cash advances may have higher effective costs than traditional loans, the flexibility and speed often justify the premium for businesses needing immediate capital access.

Large scale merchant cash advances

For businesses requiring substantial funding, our large business cash advance solutions provide:

Enhanced Funding Limits

• Advances up to £500,000 for qualifying businesses

• Multiple advance facility for ongoing funding needs

• Portfolio businesses with consolidated applications

• International businesses with UK card processing

Specialist Underwriting

Leveraging expertise from large bridging finance transactions up to £50 million, our team understands complex business structures and substantial funding requirements.

Institutional Lender Access

Connect with specialist commercial lenders typically reserved for larger transactions, ensuring competitive terms for substantial cash advances.

Contact our Merchant Cash advance team

Expert Consultation Available

Speak with experienced business funding specialists who understand both traditional merchant cash advances and large-scale commercial finance solutions.

Instant Quote System

Access preliminary funding terms immediately through our digital assessment platform, providing transparency before formal application.

Contact Details

Phone: 0204 6211776
Funding Range: £3,000 - £500,000 Decision Time: 24-48 hours typical

Lender Network: 200+ specialist business funders

Transform your business cash flow with flexible merchant cash advance solutions designed for UK businesses seeking immediate working capital without traditional lending constraints.