Why Businesses Are Choosing Merchant Cash Advance

🔄 Flexibility

Repayments scale with your income — so when sales dip, so do your payments.

⚡ Speed

Approvals often happen within hours, and you’ll get the money in 1–2 business days.

🔁 Simplicity

No fixed repayment dates. No surprise interest. Just a clear, automated process that works with your business.

🔓 Compatibility

You can still qualify for other financing options while using an MCA. It doesn’t tie up your collateral or credit lines.

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What Is a Merchant Cash Advance?

A Merchant Cash Advance (MCA) is a flexible business financing solution that gives you a lump sum upfront, which you repay gradually through a small percentage of your daily card sales.

Step 1: Apply in Minutes

Submit your recent card terminal statements, revenue data, and basic business details. No long forms.

Step 2: Get Assessed Quickly

Our partners typically approve funding up to 100%–120% of your average monthly card turnover.

How It Works (Step-by-Step)

That means:

• No fixed monthly repayments

• No need for physical assets

• No traditional credit score roadblocks

Instead of squeezing your cash flow, repayments adjust based on your income — so you only pay more when you're earning more.

Once approved, you’ll receive your funds within 24–48 hours, and begin automatic repayment via card sales.

Step 4: Pay Back Gradually

Step 3: Receive Your Funds

Every time a customer pays you via card, a small % (usually 10–20%) goes toward your MCA.
No chasing invoices. No missed payments. Just smooth, automatic repayments.

Cost Transparency: What You Pay

Unlike traditional loans, there’s no APR or compounding interest. Instead, MCA uses a factor rate.

Advance: £100,000

Factor Rate: 1.10

Repaid automatically from your card transactions (usually 10%–20%)

No confusion. Just a flat total you agree to upfront.

Total Repayment: £110,000

No hidden fees.

Example:

Who Is Eligible?

• Accept credit or debit card payments via a terminal.

• Operate in retail, hospitality, leisure, or seasonal sectors.

• At least 3-6 months in business.

• 6 Months Bank Statement

• Driving License.

• Email Address.

• May have low credit scores or limited assets

• Need fast, flexible cash access for working capital or growth

If your business brings in card revenue, this is your shortcut to rapid financing.

What's Needed For Getting Merchant Cash Advance

Real Business Results

“Our seasonal cash flow always caused problems. Now we borrow in the busy months and pay off stress-free during quiet seasons. This changed how we run our business.”

Reza H., Retailer, Manchester

“We used an MCA to renovate our restaurant. Funds arrived in two days, and we repaid it without even feeling it — just through our card machine. Simple and stress-free.”

Sarah A., Restaurant Owner, London

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Ready to Unlock Your Advance?

Don't let cash flow stop your growth.
The businesses you're competing with are already using Merchant Cash Advance — why not you?

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