Merchant Cash Advance for UK Businesses
Flexible funding for card-taking businesses, repaid automatically as a small percentage of daily card sales with no fixed monthly payments.
What can you use it for?
- Refurbishments and fit-outs
- Stock purchases ahead of busy periods
- New equipment, EPOS and tills
- Marketing and new site launches
- Covering VAT, tax or seasonal cash dips
- Staff recruitment and training
Who can we help?
- Restaurants, bars, cafés and takeaways
- Retailers and convenience stores
- Salons, gyms and leisure operators
- Garages and MOT centres
- Any business taking £5,000+ per month by card
How much can you borrow?
Up to 150% of monthly card takings
Advances typically run from £5,000 to £500,000, based on your average monthly card turnover. You agree a fixed total repayment amount up front; a set percentage of each card transaction repays it, so you pay more in busy months and less in quiet ones.
How quickly can funding be arranged?
Funds in 2–5 days
Decisions are based on your last 3–6 months of card statements rather than full accounts, so approvals can come within 24 hours and funds usually land in your account within a few working days.
What do lenders look for?
Knowing what underwriters weigh up lets us present your case properly the first time, which means faster decisions and better terms.
- 01Average monthly card turnover and consistency
- 02Time trading and time with your card provider
- 03Business bank statements
- 04Existing advances or short-term borrowing
- 05Director profile and business sector
Merchant Cash Advance questions
Get a Merchant Cash Advance Quote
Tell us a little about your business and requirement. We'll compare merchant cash advance options from across 165+ UK lenders and come back to you with clear, tailored terms. No obligation, no impact on your credit score.
- Whole-of-market comparison
- Dedicated relationship manager
- Plain-English advice
- No obligation quote