If you have a credit card terminal, a merchant cash advance could be perfect for you

Merchant Cash Advance offers flexible repayments

If your business takes customer payments via a credit card terminal, this may be the flexible funding solution that you need. A merchant cash advance (MCA) is a popular method of acquiring unsecured lending for UK retail, hospitality and leisure businesses.

Ideal if you are asset light but have a good daily volume of card transactions, your loan is repaid as a small percentage of your sales via your merchant account. Pay more when your sales are high and less when things are slow. This flexibility works really well for businesses with variable or seasonal income.

Also known as a business cash advance, the lender provides a cash lump sum which is to be repaid on a daily, weekly or monthly basis. This is a great alternative for companies with a limited credit history or if you’ve been rejected for other types of funding.

Used by many types of industry this is suitable if you have a high volume of credit card sales, as the size of the loan will depend on this. Available for sole traders, partnerships and limited companies, you do not need to personally offer security.

  • Does not require other assets or collateral to back the loan
  • Only make repayments when you make sales
  • No early repayment charges
  • Fixed charges
  • Less credit history required
  • Sole traders, partnerships and limited companies qualify


Have Questions? Let’s Talk.

For further information regarding a Merchant Cash Advance or the other different types of commercial finance we offer, please give our friendly team a call. We’re open Monday – Friday, 9.00-5pm. Or if you’re ready to get started, click the button below.

Matt Whiteman

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