Common uses for merchant cash advances

Compare a range of financing options from a panel of lenders

Over 200 lenders from banks to alternative providers (including the CBILS)
Borrow betweeen £1,000 and £5m, rates from 2.5% APR
Funds received in as little as 24 hours
100% free, no obligation service

Access Finance For Your Business In 3 Steps

Enter Your Details

Complete your application in under 30 seconds. No paperwork is required.

Compare Financing Options

Compare over 70+ financial products & receive expert guidance

Receive Funding

Successful clients can receive funding in as little as 24 hours.

Home » Business Finance » Common uses for merchant cash advances

No business can grow without a little helping hand every now and then, and with a merchant cash advance businesses can receive funds immediately. These funds can be used to strengthen and cement a place in the UK economy and help avoid financial struggles.

The money you receive in a merchant cash advance is your to do whatever you want with. The terms of the loan are subject to repayment plus a small percentage through your credit/debit card sales each day until the agreed upon amount is paid back. Here are some of the most common uses for merchant cash advances:


Employing new staff is a vital aspect for small businesses looking to grow. By bringing in extra help you can increase the amount of products and services you make and sell and can help you bring in new customers. Unfortunately, it can be difficult to find the money to employ people, so a merchant cash advance can help provide the funds to make it happen.

Purchasing equipment

Investing in new equipment can help companies produce more, better quality products which, in turn, can help boost your profit margin. After all, no business can grow without investing in more equipment. With merchant cash advances small businesses are able to find a positive alternative to equipment leasing and other more unsecure loans.


Even those with the best products and services can fail without proper marketing and advertising. In order to build a brand and get your name out there you will need a marketing budget, something that new business will be unlikely to have. With a merchant cash advance you can put in place an advertising campaign that includes anything from promotional material to a new website.

If you feel as though a merchant cash advance may be right for your business, compare offers with Quote Goat right now. If you are unsure, head over to our Business Finance section where we have a host of information on various alternative lending types from invoice finance to secured business loans.