Merchant Cash Advance
- £5k to £500k
- Payback % of card takings
- Quick decisions
- Minimum 3 months trading
If your business takes card payments or e-commerce business and needs a cash flow boost, then a Merchant Cash Advance (MCA) is the perfect solution. It works like a business loan but with flexible, instead of fixed, monthly repayments.
The funding can be used for any business purpose, and is calculated on your business card takings. You can borrow up to 200% of your monthly card volumes, from £3,000 to £350,000 and above.
Fast, Flexible Funding Based on Your Card Sales
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What Is a Merchant Cash Advance?
- A Merchant Cash Advance (MCA) is a flexible business finance option that lets you unlock the value of your future card payments.
- Receive a lump sum upfront and repay it automatically through a small percentage of your daily card takings.
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How It Works
1
Apply Online
Quick, no-obligation application.
2
Get Approved Fast
Decisions within 24 hours.
3
Receive Funds
Lump sum paid directly to your account.
3
Repay Daily
A fixed percentage of your card sales.
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Why Choose an MCA?
- Flexible Repayments – Pay more on busy days, less when it's quiet.
- Fast Access to Funds – Often within 2–5 working days.
- Easy to Manage – Fully automated deductions, no admin stress.
- Low Barriers to Entry – Available even with poor credit.
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