Capital Tied to
Your Revenue.
Fast, flexible funding for businesses with consistent card turnover — repayments that move with your sales, not against them.
An Advance on Your Future Sales
A Merchant Cash Advance (MCA) is not a traditional loan. We arrange an upfront capital sum against your future card sales — repaid automatically as a fixed percentage of your daily card receipts until the agreed total is settled.
With no fixed monthly payment and no collateral required, an MCA is one of the most accessible and responsive forms of business finance available — particularly suited to retail, hospitality, e-commerce, and leisure businesses with strong, consistent card turnover.
Advance Amounts
£5,000 – £500,000
Repayment
% of daily card sales
Decision Speed
24–48 hours
Security
Unsecured — no assets required
Simple, Transparent, Aligned With Your Business
Receive Your Advance
We arrange an upfront lump sum based on your average monthly card sales — typically 100% to 250% of your monthly card turnover.
Repay Through Sales
A fixed percentage of your daily card receipts — known as the holdback — is automatically collected until the agreed total is repaid.
No Fixed Schedule
Repayments flex with your revenue. Quieter trading periods mean smaller daily deductions — there is no fixed monthly payment to meet.
Built for Businesses That Move Fast
Stock & Inventory
Capitalise on bulk purchasing opportunities or seasonal stock requirements without depleting working capital reserves.
Refurbishment & Fit-Out
Fund premises upgrades, equipment purchases, or a full refurbishment — with repayments tied to the increased revenue that follows.
Marketing & Growth
Launch a campaign, expand into new markets, or hire additional staff — with funding that scales to the opportunity.
Cash Flow Bridging
Cover short-term gaps between outgoings and incoming card receipts, without the paperwork or delays of a conventional facility.
Advantages & Considerations
- Unsecured — no assets or property required as collateral
- Funds typically available within 24–48 hours of approval
- Repayments flex with revenue — no strain during quieter periods
- Accessible to businesses with limited credit history
- No restrictions on use of funds
- Total cost can be higher than a traditional term loan
- Fixed total repayment — no discount for early settlement
- Daily deductions reduce working cash flow
- Advance amount limited by monthly card turnover
- Not suitable for businesses without regular card payments
Discuss Your Requirements
Speak with an advisor to understand whether a Merchant Cash Advance is the right facility for your business.