Merchant Cash Advances

Funding From £2,500 to £500,000

Funding based on future card sales
Flexible repayments, inline with your daily card sales
Receive funds in as little as 24 hours
Compare quotes from trusted UK lenders

Merchant Cash Advances in 3 Simple Steps

Enter Your Details

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

Compare Financing Options

Our broker will contact you to discuss your quotes. Successful applicants can receive funding within 24 hours.

Repay from sales

Repay from a percentage of your card sales each month, typically 5-15%.

Get A Merchant Cash Advance Quote Now

No security or business plans required
Approval within 24 hours. 90% approval rate
Apply for a merchant cash advance in 30 seconds
Flexible repayments based on your card sales
Applications do not affect your credit score

What Is A Merchant Cash Advance?

Merchant Cash Advances are a new type of unsecured borrowing for business, offering a short-term cash injection from £2,500 to £500,000 typically borrowed over a period of 6 – 12 months. Unlike a typical business loan there is no interest charged and repayments are based on a percentage of your card machine sales each month, helping to ensure that repayments stay inline with your cash flow during both busy and quiet periods throughout the year. The amount your pay back each month is based solely on your card receipts and not on cash takings.

Merchant cash advances have been praised by the government as an alternative funding option for UK businesses and have already helped thousands of small business owners secure the funding they need for new expansion, new equipment and more.

Will Your Business Qualify?

If you have been in business for more than 6 months, have monthly card sales of £5,000 or more, are a UK resident and over 18, you can qualify for a merchant cash advance. All credit histories are welcome, so even if you have bad credit we can still accept you for funding.

The application process takes no time at all and requires no paperwork.

What Are The Advantages Of A Merchant Cash Advance?

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Fast Funding

Receive funds in as little as 24 hours from the time of application.

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Flexible Payments

Repayments are based on a percentage of monthly card sales, adjusting inline with your cash flow

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Unsecured Borrowing

Merchant Cash Advances are unsecured, leaving your business assets safe.

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Card Only

Repayments are based solely on card sales, keep 100% of company’s cash transactions.

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No Hidden Costs

There is no interest to pay, no fees and no hidden costs. Money is borrowed with a typical factor rate of 1.10-1.25.

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No Paperwork or Business Plan

No business plan or paperwork is required. Simply apply online in under 30 seconds and we’ll be in contact.

What Does A Typical Merchant Cash Advance Look Like?

A restaurant owner has average card sales of £10,000 per month and wants to borrow £10,000 to cover the cost of new equipment. The owner agrees to pay back £12,000 using 10% of card sales each month. The repayment will last approximately 12 months. If the restaurant’s card sales are less than the average over the 12 month period, there are no additional charges or fees to pay.

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More Information & FAQs

Any business that takes card payment as their primary form of payment. Typical clients are restaurants, bars, nightclubs, hotels, b&b’s, hair and beauty salons, retail businesses and more.

To qualify you need to have been trading for 6 months, have monthly card sales of £5,000 or more, be a UK resident and be over 18.

Unlike traditional funding methods, poor credit is not a barrier to accessing a merchant cash advance when your business needs it.

Funding starts from £2,500 and is based upon your business’ cash flow up to a maximum amount of £500,000

Funds can be available in your account from as little as 48 hours from the time of application.

Merchant Cash Advances are an unsecured borrowing product and therefore both your business and personal are safe when accessing finance using this route.

The amount you repay is decided by a factor rate which is set by the lender when you apply. This is typically between 1.1 and 1.25. If, for example, a lender sets a factor rate of 1.15 and you borrow £10,000 you would repay £11,500. There is no interest and no other charges to pay.