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As our name suggests, we specialise in Merchant Cash Advances as an alternative means of commercial finance. It’s one of the fastest growing new ways of raising funds for your business, without having to rely on mainstream High Street options.
A Merchant Cash Advance is a great way to raise capital for your business using receipts from your credit card machine as security. It’s an alternative form of finance that’s being used by more and more businesses in the UK. All you need is to have been operating a card machine for at least six months to be considered for this kind of alternative funding.
The extra money may help cover costs for the business such as running costs of the premises.
Your loan amount is calculated using your funds, therefore the money itself reflects the businesses turnover.
A Merchant Cash Advance provides a quick solution to unlocking the future revenue of your business early.
Because we know that funding is important and that things progress quickly, we work fast to ensure you get your loan without delay.
Firstly, we’re independent and not tied to any one specific finance provider. That means we can shop around to get you the best deal from the best finance provider. It’s our job to be aware of all the great Merchant Cash Advance offers, and we aim to provide you with the maximum choice. We’re fully regulated by the Financial Conduct Authority and are full members of the National Association of Commercial Finance Brokers (NACFB).
Used Merchant Cash Advance to help grow their business by unlocking cash already in their business.
How can it help?
You could receive funding up to the value of your average monthly card turnover, giving your business the boost it needs based on your actual sales.
There are no minimum monthly payments required, giving you greater flexibility to manage repayments in line with your business performance.
Funds can be arranged and transferred in as little as 3–4 working days, helping you access the capital you need quickly and efficiently.
Speak to an expert and find out if you’re eligible today.
You have a minimum 6 months' trading history with your card machine or At least a 6 month lease on the premises you are in.
The Last 6 or preferably 12 months merchant statements, proof of ID, proof of bank account and an application form.
Fill in the form now to arrange a no hassle call with one of our experts.
Based on your circumstances and what you are trying to achieve we will help determine the best finance option for you (which might not be a Merchant Cash Advance; if there is a cheaper option, we’ll tell you)
We’ll guide you with documentation and how to make the best application
Take your time to understand the options for you and your business.
Find out more about a Merchant Cash Advance
To learn more or to apply for a Business Cash Advance please either Fill in the call back form at the top of this page or call us on 01494 410 125 and we’ll walk you through your options at no cost or obligation.
This type of funding offers a flexible way to unlock capital through your future card sales instead of depending on a conventional bank loan. As an experienced merchant cash advance lender, we help businesses that accept payments via credit or debit card gain fast access to funds without the lengthy paperwork or strict requirements often associated with high street banking.
With a cash advance for business, the funding you receive is based on your recent and projected card transactions. Instead of fixed monthly instalments, repayment is made automatically as a set percentage of your daily card sales. This means you pay more when business is thriving and less during quieter periods, which can be invaluable for managing cash flow.
How the process works with professional MCA financing:
Key differences from traditional business loans:
By working with reputable finance specialists, you can access funding that is practical, predictable, and designed to fit around your trading patterns. This makes it a reliable choice for businesses seeking fast funding without the stress of rigid repayment schedules.
A business cash advance loan offers a combination of speed, flexibility, and accessibility, making it one of the most appealing small business finance solutions available today.
Combined, these benefits make this type of funding a smart way to secure quick business finance that works in harmony with your business performance, helping you grow while keeping repayments manageable and predictable.
Meeting the criteria for this type of funding is straightforward and avoids the hurdles often associated with traditional loans. To be considered for a merchant cash advance for small business, you will usually need at least six months of trading history with a card machine and a steady level of monthly card turnover. This gives merchant cash advance direct lenders the confidence that your business can comfortably handle repayments.
Applying for a cash advance for small business is straightforward. You will typically provide merchant statements for the last six to twelve months, proof of identification, proof of your business bank account, and a short application form. Unlike a conventional merchant account loan, you do not have to secure the advance with property or assets, and there is no requirement for a detailed business plan.
The process is designed to be quick and supportive. From the first enquiry, our experienced team will guide you through every step, working with private business lenders and merchant cash loan specialists to find the best offer. Whether you are looking for merchant funding to cover seasonal stock, a business funding advance to launch a new service, or a merchant business loan to manage cash flow, the criteria are designed to make this type of finance accessible to a wide range of UK businesses.
Choosing the right finance partner is about more than finding a quick source of funds - it is about working with someone who understands your business, supports your goals, and can secure the best deal available. As an independent broker, we are not tied to any single lender, which means we can compare offers from a range of cash advance lending institutions and direct cash advance lenders. This means you get finance that is customised to your turnover, repayment preferences, and growth ambitions.
We are regulated by the Financial Conduct Authority and are proud members of the National Association of Commercial Finance Brokers. These credentials underline our commitment to professionalism, transparency, and delivering the highest standards of service. With years of experience arranging working capital advance solutions for sectors such as retail, hospitality, healthcare, and professional services, we have the insight needed to match you with the most suitable funding.
Over the years, we have built a strong reputation by helping hundreds of business owners secure the cash advance business loan they needed to expand, invest, or stabilise their operations. Many return to us for repeat funding - a clear sign of the trust we have earned. Client feedback repeatedly confirms how the right cash flow advance can relieve financial pressure, smooth out seasonal dips, and create the freedom to seize new opportunities.
Our service is personal, proactive, and designed to support you from start to finish. From your first enquiry, we:
Through our strong industry relationships, we can often arrange faster decisions and more flexible repayment options than going direct.
If you are ready to arrange a tailored cash advance for merchants, our team is here to guide you every step of the way. We will explore offers from top lenders, giving you the best combination of speed, cost, and flexibility.
Call us today or complete our quick online form to secure the funding your business needs to move forward with confidence.
A Merchant Cash Advance (MCA) is an alternative form of business funding where you receive a lump sum based on your average monthly credit and debit card sales. Unlike a traditional loan, MCA financing is essentially the sale of a portion of your future takings for a fixed cost today. Repayments are made automatically, with an agreed percentage (usually 10–20%) deducted from each card transaction, making this type of cash advance for merchants flexible and cash flow–friendly.
A business cash advance loan does not require security and is often approved even if your credit history is less than perfect. Merchant cash advance lenders base approval on your recent card turnover rather than your credit score. This makes it a quick business finance option for companies with seasonal fluctuations, as repayments automatically adjust to your income.
Merchant cash advance options in the UK are available to sole traders, partnerships, and limited companies that have been accepting card payments for at least six months. The amount you can borrow depends on your average monthly card takings over the last 6–12 months. As an independent broker, we work with a panel of private business lenders who can often approve applications even with adverse credit. Minimum advances start at around £10,000, with some merchant cash advance providers offering up to £2,000,000.
There are no strict restrictions on how you use a merchant capital advance, provided it’s for your business and legal. Many small businesses use an MCA loan for buying stock, refurbishments, marketing campaigns, paying tax bills, or simply boosting working capital. This kind of cash flow advance is designed to give you fast access to funds without lengthy approval processes.
A merchant cash advance can provide quick business finance without the need for security or perfect credit history. By unlocking funds based on your card sales, you can invest in stock, marketing, refurbishments, or expansion plans exactly when you need them. As an independent, FCA-regulated broker, we work with a wide range of merchant cash advance providers to secure the best commercial cash advance for your specific goals.
01494 410125
MerchantCashAdvance.co.uk is a trading style of Choice Money Ltd, Unit C1C Comet Studios, De Havilland court, Penn Street, Amersham HP7 0PX Company number 07313805; Authorised by the Financial Conduct Authority (FRN 667915); Data Protection license Z2337466