Flexible funding that moves with your card takings.
A Merchant Cash Advance advances a lump sum against future card sales. You repay a small percentage of each day's card takings — so repayments flex with your turnover.
Key benefits
- No fixed monthly payment — repayments scale with daily card revenue
- Quick access to funds, often within 24–72 hours
- No security required in most cases
- Suitable for businesses with consistent card sales
- No early repayment penalty
Who is it for?
Retailers, restaurants, hospitality businesses, and other card-taking enterprises that want funding aligned to their revenue — especially useful for seasonal businesses.
How it works
We review your card-payment history to establish your average monthly takings. A lump sum is advanced and a small fixed percentage of each day's card revenue repays it automatically through your card terminal — no invoices, no standing orders.
Frequently asked questions
What turnover do I need for a merchant cash advance?
Most lenders look for at least £5,000 per month in card sales, though some specialist providers accept lower volumes for established businesses.
How long does repayment take?
Repayment is tied to card volumes rather than a fixed term, but most advances are repaid within 6–18 months.
Is a merchant cash advance the same as a loan?
No. It is a purchase of future card receivables, not a loan, so there is no fixed interest rate or repayment schedule.