Merchant Cash Advance · Flexible Repayments
Borrow against your future card sales and repay as a percentage of what you take — pay less when business is slower, more when it’s busy.
Check your eligibility free — won’t affect your credit score
Why Merchant Cash Advance
Traditional loans demand fixed monthly payments regardless of how business is going. A Merchant Cash Advance adapts to your revenue — ideal for seasonal or variable-income businesses.
✅ No fixed monthly payments — repay as a % of card sales
✅ Available to businesses with as little as 4 months’ trading
✅ No security or assets required
✅ Bad credit and CCJs considered
✅ Fast decisions — often funded within 24–48 hours
✅ No upfront fees — we earn only when you’re funded
MCA Options
Simple, flexible funding based on your card turnover.
We advance a lump sum based on your monthly card takings. Repayments are taken automatically as a small % of each day’s card sales.
Most MCAs are approved and funded within 24–48 hours. Ideal when you need capital quickly for stock, equipment or opportunities.
Once you’ve repaid 60–70% of the advance, many lenders will top you up — giving you a rolling source of working capital.
How It Works
No obligation at any stage. Fast decisions.
Tell us your monthly card sales and how much you need. We also ask about your business — no credit check at this stage.
Your adviser approaches MCA specialists on our panel and returns with the best offer — factor rate and term clearly explained.
Once you accept, funds arrive within 24–48 hours. Repayments begin automatically as a small percentage of daily card sales.
Eligibility
An MCA is available to most card-taking businesses.
✅ UK-registered business
✅ Minimum 4 months’ trading history
✅ Monthly card takings of £5K or more
✅ Business must accept card payments
✅ Bad credit and CCJs considered
✅ Start-ups with card history may qualify
Our free eligibility check takes 2 minutes and won’t affect your credit score.
No credit check · No obligation · Free service
Pick a time that suits you. One of our finance specialists will call you back — no pressure, no commitment.
Free eligibility check. No upfront fees. A real adviser who picks up the phone.
