Commercial Finance
If your business takes card payments, you may be able to access fast, flexible funding — repaid automatically as a small percentage of your daily card sales.
A Merchant Cash Advance (MCA) provides your business with an upfront lump sum. Instead of making fixed monthly repayments, the lender automatically deducts a small percentage — typically 10–20% — from each card payment you take, until the advance is repaid.
This means repayments naturally align with how your business is trading. On a busy day you repay more; on a quiet day you repay less. There are no missed payment risks from a bad week of trading.
Loan amounts typically range from £2,500 upwards, with some lenders offering up to £1 million depending on your monthly card turnover — generally between 50% and 250% of your average monthly card sales.
Your business needs to accept card payments and meet a minimum monthly card transaction volume. Lenders will typically want to see bank statements or other financial records. Most businesses that have been trading for six months or more and take regular card payments will be eligible.
Applications are typically turned around within 48 hours, often faster.
Repayments are a percentage of daily card sales, so you pay more when business is good and less on quieter days.
Because repayments flex with your sales, an MCA works particularly well for businesses with seasonal peaks and troughs.
Works for businesses that don't have hard assets to offer as security — your card terminal history is the key qualification.
No restrictions on what you spend the advance on — cash flow, equipment, staff, refurbishment, anything your business needs.
Can be used alongside existing loans or other credit facilities as a supplement.
We will check your eligibility across our lender panel and come back to you quickly.
Subject to eligibility, status, and lender criteria.