Fast, flexible funding for businesses that take card payments — with repayments that flex with your revenue.
A merchant cash advance (MCA) is a fast and flexible funding solution designed for businesses that process card payments. Rather than fixed monthly repayments, you repay a percentage of your daily card takings — meaning repayments naturally reduce when business is quieter and increase when trade is strong. This makes it an ideal solution for seasonal businesses, hospitality, retail and e-commerce.
With a merchant cash advance, a lender advances you a lump sum based on your average monthly card takings. You then repay this advance — plus a factor fee — as a small percentage of your daily card transactions. There are no fixed monthly repayments, no interest charges in the traditional sense, and no set repayment date. The advance is repaid automatically as your customers pay by card, making it one of the most flexible forms of business funding available.
MCAs are particularly well-suited to businesses with consistent card payment volumes, including restaurants, cafés, bars, hotels, retail shops and e-commerce businesses. They are also a popular choice for businesses that have been declined for traditional lending due to limited trading history or imperfect credit. If your business processes card payments and you need fast access to funding, a merchant cash advance could be the ideal solution.
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