How much can I borrow?

Typically 1–2× your average monthly card sales.

No fixed term. Most advances repay within 6–18 months depending on card sales volume.

What if my business has a complex financial history?

Your card sales history is the primary factor. We work with lenders who focus on your current trading strength.

Merchant Cash Advance

Funding That Moves With Your Business

Access capital quickly, with repayments taken automatically as a percentage of daily card sales. Pay less when sales are slow, more when business is booming.

Check Your Eligibility Speak to an Adviser

Is a Merchant Cash Advance Right for You?

Retail with regular card sales
Restaurants, cafes and hospitality
Salons, spas and beauty
Hotels and accommodation
Gyms and leisure
Any business taking card or online payments

How Does it Work?

We advance a lump sum based on your average monthly card sales. A small fixed percentage of every card sale automatically repays the advance. No fixed monthly payments, no set repayment date.

Ready to explore your options? Our team reviews your circumstances and identifies selected providers whose criteria may suit your business.

Smart Choice for Card-Taking Businesses

Flexible Capital Without Rigid Structure

MCA repayments are always proportional to revenue. During busy periods you repay faster; during quieter periods repayments reduce automatically — never overstretched.

Approval is based primarily on card sales history — making it accessible for businesses that may have struggled with traditional lending. Funds typically available 24–48 hours* after approval.

Revenue-Based Repayments

Pay more in busy periods, automatically less in quiet ones.

Fixed Factor Rate

Know the total repayment amount from day one — no compound interest.

Card-Sales Focused Approval

Strong card sales history drives our lenders' approval decisions.

Fast Funding

Typically funded within 24–48 hours* of approval.

Check Your Eligibility

UK-wide

Commercial Finance Support

£10K–£5M

Finance Available

24-48 hours*

Typical Decision Time

No Fee

Until Funding Completes

Frequently Asked Questions

Common Questions

A multiplier applied to your advance (e.g. 1.25 × £10,000 = £12,500 total repayment) — fixed from day one.

Industries We Finance

See how we structure this solution across different sectors

Hospitality & Leisure Finance

Tailored funding solutions for hospitality and leisure business owners.

Retail Finance

Tailored funding solutions for retail business owners.

Ready to explore your Merchant Cash Advance options?

Our team will explain relevant finance routes and identify selected providers whose criteria may suit your business.

Check Your Eligibility Talk to an Adviser