Liquid Corporate Finance
0333 772 1782
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Merchant Cash Advance
For UK Businesses

Get fast, flexible funding based on your future card sales; no fixed monthly payments. A merchant cash advance adapts to your revenue, so you repay more when business is strong and less when it's quiet. Ideal for retail, hospitality, and e-commerce businesses needing quick access to working capital.
  • Borrow from £5,000
    up to £1m
  • Flexible repayments
    linked to card sales
  • Decisions in hours,
    not weeks
  • Funds available
    within 24 hours
Apply Now
Takes 30 seconds - No impact on your credit score
Or call us on 0333 772 1782

What is Merchant Cash Advance ?

Looking for a fast, unsecured alternative to traditional business loans? Discover how a Merchant Cash Advance (MCA) can stabilise your business cash flow without the burden of fixed monthly repayments. At Liquid Corporate Finance, we connect UK SMEs with flexible card machine loans ranging from £5,000 to £1,000,000, based entirely on your average monthly card turnover. Because repayments are automatically deducted as a percentage of your daily credit and debit card transactions, the facility naturally flexes with your revenue. Apply online in minutes to secure competitive fixed-fee funding with minimal paperwork and same-day payouts.

Review of Sales Data

Eligibility is determined by reviewing your credit card processing history, sales volume, and average daily balances.

Receive Your Advance

Once approved, you’ll get a lump sum payment to use as needed.

Flexible Repayments

Repayments are made through a fixed percentage of your daily credit card sales, automatically deducted until the advance is fully repaid.
This approach ties repayment directly to your revenue, eliminating fixed monthly payments and rigid terms.
Apply Now

Key Features of Merchant Cash Advance

Funding Amounts

Loans from £1,000 to £500,000 (typically up to 2x monthly turnover).

Fast Decisions

Approval within hours and funds paid quickly.

Minimal Documentation

No documents required for loans under £100,000.

Fixed Fees Only

No interest rates – just a one-time fixed fee.

Unsecured Facility

No collateral or personal assets required.

Same Day Top Ups

Apply for a top on your existing facility
Apply Now

Businesses That Benefit from
Merchant Cash Advance

Merchant Cash Advance is ideal for small businesses with high volumes of credit card sales. Here are some common examples:

Retail Stores

Use MCA to purchase inventory or expand operations.

Restaurants and Cafes

Fund renovations, equipment upgrades, or unexpected expenses.

Service-Based Businesses

Salons, spas, and fitness centers can invest in marketing or new equipment.

E-Commerce Businesses

Use MCA to fund inventory, website development, or marketing.

Hospitality Industry

Hotels and motels can cover seasonal fluctuations or facility upgrades.

Petrol Forecourts

Fund renovations, equipment upgrades, or unexpected expenses.
Apply Now

Benefits of Merchant
Cash Advance

  • Fast Access to Funds
    Receive the working capital you need without delays.
  • No Collateral Required
    Your future sales secure the advance, so personal assets aren’t at risk.
  • Flexible Repayments
    Payments adjust with your sales, ensuring stress-free management.
  • No Impact from Credit Scores
    Businesses with less-than-perfect credit can qualify.
  • Supports Growth
    Use funds for inventory, marketing, equipment upgrades, or expansion.
Apply Now
Merchant Cash Advance

How It Works

1

Get in
Touch

Speak to our team for a free, no-obligation consultation

2

Submit Your
Application

A fast, hassle-free application completed in minutes online

3

Accept Your
Offer

Fast decisions with funding offers back within hours

4

Receive Your
Funds Quickly

Get approved and funded in as little as 24 to 48 hours
Apply Now
ESTIMATE MONTHLY REPAYMENTS

Try Our Finance Calculator

Use our business finance calculator to estimate your monthly repayments and explore flexible funding options tailored to your business needs. Whether you’re looking for asset finance, business loans or vehicle finance in the UK, our calculator helps you understand potential monthly costs before applying, making it easier to plan your cash flow and budget with confidence.
Try Our Calculator
No Impact on Your Credit Score
TESTIMONIALS

What Our Clients Say

CASE STUDY

Real Results for Real Businesses

Merchant Cash Advance Raised For Fuel Stations

PDQ Loan for Fuel Stations

Finance Amount: £300,000
A Cornwall based business operating three prime-located fuel stations across the South West and Essex, along with a recently acquired hotel requiring substantial renovation, approached Liquid Corporate Finance for funding support to assist with ongoing expansion and refurbishment projects.
See Case Study

Merchant Cash Advance FAQs

A merchant cash advance provides funding that is repaid through a percentage of daily card sales.

Repayments are automatically deducted as a percentage of card transactions.

Businesses that take regular debit and credit card payments.

Funding is typically based on monthly card turnover.

Some businesses receive funding within a few days of approval.

No, it is technically an advance based on future card sales.

No, repayments fluctuate depending on card sales.

Yes, because repayments adjust with sales.

Typically no physical collateral is required.

Some providers allow early settlement depending on the agreement.
Apply Now
This enquiry will not affect your credit score

Business Finance Solutions Available

Asset Finance

Acquire essential equipment with flexible repayment options

Business Loans

Fast access to capital growth and cash flow

Refinance

Release equity from existing assets

Merchant Cash Advance

Flexible repayments based on card sales

Growth Guarantee Scheme

Government backed support for eligible businesses

Invoice Finance

Unlock cash tied up in unpaid invoices
Check Your Eligibility
This enquiry will not affect your credit score

Ready to unlock funding to power your next big move?

Check your eligibility in under 30 seconds and discover how much funding you could access. Your business finance expert is ready to match you with the right finance solution.
Check Your Eligibility
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This enquiry will not affect your credit score

Complete Your Enquiry

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This enquiry will not affect your credit score

For illustration purposes only. Our experts will calculate the rate you may be offered based on your individual circumstances. This is not an offer or quote for your finance.