Merchant Cash Advance

Fast, unsecured funds based on your PDQ turnover

Merchant Cash Advance is a flexible funding option designed specifically for businesses like yours. It provides you with the working capital you need, quickly and hassle-free. Say goodbye to lengthy loan applications and mountains of paperwork! With Merchant Cash Advance, you can access funds within days, allowing you to focus on what you do best – running your business.

Instead of relying on collateral or credit scores, the MCA provider reviews the merchant’s credit card processing history, sales volume, and average daily balances to determine eligibility. Once approved, the business receives a lump sum payment that is repaid through a fixed percentage of their daily credit card sales, which is automatically deducted until the advance is fully paid off.

So how does it work?

It’s simple! Instead of traditional loans, Merchant Cash Advance offers you an advance based on your future credit card sales. This means that repayment is directly tied to your business’s revenue, making it a seamless and stress-free process. No fixed monthly payments or rigid terms – just a percentage of your daily sales until the advance is fully repaid.

  • Loans starting from £1,000 – £500k (typically 2 x monthly turnover)
  • Decisions within hours, fast payment of funds
  • No documents required for loans under £100,000
  • No interest, fixed fee only
  • Unsecured facility

What types of businesses use Merchant Cash Advance?

Merchant cash advances are commonly used by small businesses that have a high volume of credit card sales. Some types of businesses that frequently use merchant cash advances include:

    • Retail Stores: Retail businesses that accept credit card payments, such as clothing stores, electronics stores, and specialty shops, often use merchant cash advances to access quick funding for inventory purchases or business expansion.
    • Restaurants and Cafes: Restaurants, cafes, and other food service businesses often use merchant cash advances to fund renovations, purchase new equipment, or cover unexpected expenses.
    • Service-Based Businesses: Businesses in the service industry, such as salons, spas, fitness centres, and repair services, may use merchant cash advances to manage cash flow, invest in marketing campaigns, or purchase necessary equipment.
    • Online Businesses: E-commerce businesses and online retailers that generate revenue through online sales often use merchant cash advances to fund inventory purchases, website development, or marketing initiatives.
    • Hospitality Industry: Hotels, motels, bed and breakfasts, and other businesses in the hospitality industry may use merchant cash advances to cover seasonal fluctuations, invest in renovations, or upgrade their facilities.
    • Healthcare Providers: Medical and dental practices, clinics, and healthcare providers may use merchant cash advances to cover expenses such as equipment purchases, facility upgrades, or marketing efforts.
    • Professional Services: Businesses in professional services, such as law firms, accounting firms, consulting firms, and marketing agencies, may use merchant cash advances to manage cash flow, invest in technology, or expand their operations.
  • What are the benefits of Merchant Cash Advance?

    The benefits of Merchant Cash Advance are numerous. Firstly, it provides you with the financial flexibility to cover immediate expenses, whether it’s purchasing inventory, upgrading equipment, or even expanding your business. Secondly, it eliminates the need for collateral, as the advance is secured against your future sales. This means no risking your personal assets or property!

    Moreover, Merchant Cash Advance is available to businesses with less-than-perfect credit scores. We understand that past financial challenges shouldn’t hinder your growth potential. Our goal is to support you in achieving your business objectives, regardless of your credit history.

    Don’t let cash flow constraints hold your business back any longer! Take advantage of Merchant Cash Advance and unlock the financial freedom you deserve. We are  ready to guide you through the process and tailor a solution that suits your unique needs.

    How do I apply?

    To learn more about Merchant Cash Advance and how it can solve your cash flow problems, reach out to us today. Your business’s success is our priority, and we’re here to help you thrive!

    0333 772 1782

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