Merchant Cash Advance
Revenue-based funding for businesses with card terminals. Repay as a percentage of your card sales with no fixed monthly payments. From £5k to £500k with fast approval.
Funding that moves with your business
A merchant cash advance provides a lump sum of capital that you repay through a fixed percentage of your future card sales. Unlike traditional loans with rigid monthly payments, repayments flex automatically with your revenue - you pay more when trading is strong and less during quieter periods.
This makes it particularly well-suited to hospitality, retail, and service businesses where card payments make up a significant portion of revenue. No security is required, approval is fast, and the paperwork is minimal.
Why businesses choose merchant cash advances
No Fixed Payments
Repayments flex with your revenue. A small percentage of your daily card takings is automatically deducted, so you pay more when business is strong and less during quieter periods.
Fast Approval
Decisions are based primarily on your card terminal history, not credit scores or lengthy business plans. Most applications receive approval within 24 to 48 hours.
Minimal Paperwork
No complex business plans, management accounts, or detailed forecasts. Your card processing statements tell the story - typically just 3 to 6 months of data is required.
No Security Required
Merchant cash advances are unsecured. No property charges, no personal guarantees in most cases, and no risk to your personal or business assets.
Revenue-Based Funding
Funding amounts are calculated against your monthly card turnover. The stronger your card sales, the more you can access - from £5k to £500k.
Use for Any Purpose
There are no restrictions on how you use the funds. Stock, refurbishment, marketing, staff costs, expansion, or bridging a seasonal gap - the choice is yours.
How it works
Share Your Turnover
Provide 3 to 6 months of card terminal statements. We assess your average monthly card revenue to determine your maximum advance amount.
Receive Your Offer
Within 24 to 48 hours, you receive a clear offer showing the advance amount, total repayment, and the percentage that will be deducted from daily card sales.
Accept and Receive Funds
Once you accept, funds are typically in your account within 3 to 5 working days. Some providers offer next-day funding for urgent requirements.
Automatic Repayment
Repayments happen automatically as a percentage of your card sales. No invoices, no payment dates to remember, and the advance is typically repaid within 6 to 12 months.
Get funded from your card sales
Share your card terminal history and we will tell you how much you can access. Fast approval, flexible repayment, no security required.