Merchant Cash Advance (MCA)

If your business takes card payments, a merchant cash advance can be a quick and flexible way to access funding — without the need for traditional loans.

Rather than fixed monthly repayments, the lender takes a small percentage of your future card sales until the advance is fully repaid. It’s a great option for retail, hospitality, e-commerce, and any business with steady card turnover.

Why businesses choose MCAs:

• Fast access to funds — often within 24–72 hours
  
• Repayments flex with your sales
  
• No fixed terms or interest rates — just a simple fee
  
• No need to provide security
  
• Suitable for businesses with limited trading history or weaker credit
  

You get the upfront cash to invest in stock, cover bills, or grow — and repay it at a pace that follows your income.

Important: We’re a commercial finance broker, not a lender. All funding is subject to status, card turnover, and affordability. We’re not regulated by the Financial Conduct Authority (FCA) and do not provide consumer credit.