Merchant Cash Advance UK

A merchant cash advance in the UK allows businesses to access funding based on future card sales. Instead of fixed monthly repayments, you repay through an agreed percentage of daily debit and credit card transactions.

This makes merchant cash advance funding ideal for retail, hospitality and service-based businesses with consistent card turnover.

Merchant Cash Advance Explained

How a Merchant Cash Advance Works
  • Funding is advanced upfront
  • Repayment is taken as a percentage of daily card sales
  • Payments flex with revenue
  • No fixed monthly instalments

When sales are higher, you repay more. When sales are lower, repayments reduce.

Key Features
  • Funding from £5,000 to £500,000+
  • Repayment linked to card revenue
  • Fast approval decisions
  • Suitable for seasonal businesses
  • No property security required
Ideal For
  • Restaurants and cafés
  • Retail stores
  • Salons and hospitality venues
  • E-commerce brands with card sales
  • Businesses with strong daily transactions
Benefits
  • Flexible repayments
  • No fixed monthly pressure
  • Fast access to funding
  • Approval based on revenue strength
Check Your Funding Options

Frequently Asked Questions

Does a merchant cash advance require security?
No property security is required.
In many cases within 24–48 hours after approval.