Fast, flexible funding tied to your card sales — perfect for seasonal or fast-moving businesses.
A Merchant Cash Advance gives you quick access to capital, with repayments taken automatically as a small percentage of your daily card revenue. There are no fixed monthly payments — you repay more when trade is strong and less when it's quieter.
An MCA is an advance of capital based on your recent card-terminal takings. Instead of paying a fixed monthly amount, you repay via a small percentage of each card transaction until the balance is cleared.
High street stores and boutiques with consistent card turnover.
Cafés, takeaways, restaurants and bars with regular card payments.
Salons, barbers, repair shops and service providers.
Strong card turnover and trading performance qualify for quick funding.
ADVANCE
£3,000 — £500,000+
SECURITY
Unsecured facility
SPEED
24–48 hours
RENEWALS
Available after partial repayment
REPAYMENTS
% of daily card sales
(automated)
Quick funds to manage cashflow and day-to-day operations.
Upgrade premises, equipment or interiors without lengthy approval.
Stock purchase, staffing and expansion opportunities.
Flexible repayments matching seasonal demand patterns.
A busy takeaway used an MCA to upgrade equipment before a peak season. Approval within 48 hours allowed them to operate more efficiently and handle higher demand.
✔️ Access to leading UK MCA providers
✔️ Clear explanation of structure and fees
✔️ Fast decisions (often same day)
✔️ Straightforward, practical support
