Merchant Cash Advance: Funding That Flexes With Your Takings
An advance against your future card sales, repaid as a small, agreed percentage of daily takings — so repayments rise and fall with your trade.
Prefer to plan ahead? Book a call online or message us on WhatsApp.How merchant cash advance works for you
If your business takes payment by card — a restaurant, salon, shop, bar or hotel — a merchant cash advance turns tomorrow's takings into today's working capital. You receive a lump sum up front and repay it automatically as a fixed percentage of each day's card sales.
That structure is the point: on a quiet Tuesday you repay less, on a busy Saturday you repay more. There's no fixed monthly direct debit to find, which makes it one of the most forgiving products available for seasonal and footfall-driven businesses.
Approvals are based on your card turnover rather than bricks-and-mortar security, so funding can be agreed in days — often without the paperwork a traditional loan demands.
What clients fund with merchant cash advance
- Refurbishments and seasonal stock
- Bridging quiet trading periods
- New equipment, EPOS or shopfitting
- Marketing pushes ahead of peak season
- Unexpected bills without a fixed repayment burden
Why place it through us
Advance pricing varies widely between providers, and the cheapest headline isn't always the cheapest deal. We compare the true cost across the market and make sure the advance fits alongside any existing borrowing rather than tripping over it.
Every case begins with a conversation, not a form. Call 0800 6120759 or send us the outline and we'll respond within one working day.
Merchant Cash Advance: frequently asked questions
How much can I raise against my card takings?
As a rule of thumb, providers advance roughly one month's average card turnover, with more available for strong, consistent takings. If you take £40,000 a month on cards, an advance of £40,000–£60,000 is a realistic starting point.
Is a merchant cash advance a loan?
Not quite. You're selling a fixed amount of future card revenue at an agreed cost, and repayment happens automatically as a percentage of daily sales. There's no interest rate and no fixed term — the advance simply takes as long as your trade dictates to repay.
Do I need to change my card machine provider?
Usually not. Most funders work alongside the major UK acquirers and simply take their percentage at source. Where a switch would genuinely get you better terms, we'll tell you and let you decide.