Merchant
Cash
Advance
Flexible loans you only repay when your business makes money
Funding available
Repay from future card sales
Within 24 hours
How a merchant cash advance works
A merchant cash advance is a flexible, low stress form of funding for UK businesses. No hidden costs, you repay as your business earns from future card payments.
You apply & receive funds
Receive between £10,000 and £500,000. You agree the small percentage of your card sales that will go towards repayment, usually between 5% and 15%.
You make card sales
You sell to your customers on your card machine as usual.
Repay automatically
A small pre-agreed percentage is automatically deducted from your daily card transactions, and you receive the remaining amount as normal. You only repay when your business makes money.
Repayments end
Collections stop automatically once the loan amount has been repaid.
Super simple and quick! We needed capital to get through a difficult period, and with Merchant Advance we were able to get funding within a few days.
Bar owner
Leeds
How much could you borrow?
Use our merchant cash advance calculator to see how much your business could borrow.
Calculations are indicative and intended as a guide only. The amount available will depend on your business circumstances, card sales and lender criteria. You may be offered a different amount.
You could borrow up to:*
£47,500
- Amount repayable:
- £57,000
- Monthly repayment:
- Small percentage of future monthly card sales (~10%)
- Loan duration:
-
Depends on future card sales
(6 – 24 months)
We’ve helped businesses across the UK get access to fast & flexible funding with stress free repayments from future card sales.
The benefits of a merchant cash advance
A merchant cash advance is a method of flexible funding that offers many benefits over traditional business loans and finance.
Works with any card machine
You can get a merchant cash advance through your existing card machine, with no equipment change required.
Flexible repayments
Monthly repayments are based on your card sales, so when business slows down, your repayments also reduce. A stress free way to repay your loan.
Get funding without risking assets
A merchant cash advance is unsecured, which means your business assets are safe and not at risk.
Receive funding fast
After applying your merchant cash advance funding can be in your account within days. Perfect for managing cash flow and other business costs.
No hidden costs
A merchant cash advance provides quick, responsible funding with no hidden costs.
Apply online in minutes
Quick and easy to apply, with no obligation. 90% application approval rate.
How much does a merchant cash advance cost?
A merchant cash advance is a flexible & affordable funding method that works with your business, not against it.
Affordable borrowing
A clear & simple funding cost agreed upfront, so you know exactly how much you’ll repay.
Flexible repayments
Repayments are linked to your card sales, so you repay more when you can afford it and less when sales slow down.
No hidden costs
Your total repayment amount is agreed from the start, with no changing interest rate or unexpected charges.
Calculate the cost and repayment time of a merchant cash advance
See how much you could repay and how long repayment could take based on your borrowing amount and average monthly card sales.
Review your selections:
The selected borrowing amount may be difficult to obtain based on the selected average monthly card sales.
Based on an illustrative factor rate of 1.2 and repayments equal to 15% of future card sales. Calculations are indicative and intended as a guide only.
Amount repayable
£24,000
Average daily repayment
£123
Predicted payback time
6 months
Repayments that flex with your business performance
Your repayments are linked to your card sales. When sales are stronger you can repay more, and when sales slow down your repayments reduce automatically.
Why choose Merchant Advance
We’re an independent UK business finance broker, helping businesses find the right merchant cash advance from a panel of trusted lenders. We compare your funding options, handle the legwork and support your application from start to finish.
Independent broker
We’re not tied to one lender, so we can look across our lending panel to find the most suitable funding options for your business.
Access to trusted lenders
We work with established and trusted business finance providers, giving you access to a range of merchant cash advance funding options for your business.
We do the legwork
We compare the available funding options and work with you to help identify the ones that best fit your business.
Application support from start to finish
We help manage the entire application process, liaise with lenders and keep things moving until you get the funds in your bank account.
What our customers say
★★★★★
The whole process was pretty straightforward. We were kept updated throughout, and had the funds in our bank account much quicker than we expected.
★★★★★
Merchant Advance helped us understand the different funding options available and took care of the application process. Highly recommend.
★★★★★
We needed funding quickly for a shop refit and additional stock. Everything was handled for us and the process moved very quickly.