Funding that flexes with your card revenue
An advance against future card sales, repaid as a small percentage of turnover — with no fixed monthly repayment to worry about.
How a merchant cash advance works
Rather than a fixed loan repayment, a merchant cash advance is repaid automatically as a percentage of your daily card takings. When trade is quiet, repayments fall; when trade picks up, they rise — so the facility moves with your business.
Repayments track your takings
No fixed monthly amount — you repay more in busy periods and less when trade slows.
Fast approval
Decisions are often returned within 24 hours, based largely on your card sales history.
No missed payment fees
Because repayment is a percentage of turnover, there's no fixed date to miss and no late payment penalty.
No collateral required
Approval is based on your card sales, not on providing an asset as security.
Who a merchant cash advance suits
Popular with businesses that take a high proportion of card payments.
Retail
Cover stock, seasonal peaks or refurbishment costs, with repayments that flex around footfall.
Hospitality
Fund refurbishments, equipment or staffing, repaid in line with daily card takings.
Leisure
Manage seasonal cash flow swings without committing to a fixed monthly repayment.
When to consider merchant cash advance
A snapshot of the situations our panel most commonly helps clients with.
- Covering a seasonal dip in cash flow
- Funding a refurbishment or refit
- Purchasing stock ahead of a busy period
- Accessing funding without collateral
Merchant Cash Advance, answered
Common questions we hear most often from businesses like yours.
As a small, agreed percentage of your daily or weekly card sales, collected automatically until the advance is repaid.
Find the funding built for your business
Speak to a funding specialist today, or check your eligibility online in under a minute — no cost, no obligation.