Repayments that fit your trading
For eligible merchant cash advance products, repayments track card sales so cash flow stays manageable. Useful for seasonal businesses.
How Merchant Cash Advance Works
You receive a lump sum
An agreed amount of funding is deposited into your business account, typically within 48 hours of approval.
Repay as you earn
A small, agreed percentage of your daily card sales is collected automatically. When sales are high, you repay more; when quiet, you repay less.
No fixed end date
There is no fixed term. The advance is repaid when the total agreed repayment amount has been collected from your card sales.
Why businesses choose MCA
- No fixed monthly payments, repayments flex with your sales
- Funding from £1,000 to £1,000,000
- Decision in as little as 24 hours
- No personal guarantee required on some products
- 90% approval rate for eligible businesses
- Perfect for seasonal or variable-income businesses
Representative example: £20,000 advance with 1.4 factor rate = £28,000 total repayment. 15% of card sales collected = approximately 9 month term.
"The cash advance kept us going through a quiet winter. Repayments flexed with our sales so it never felt like a burden."
Hannah Clarke
Owner, Coastal Gifts, Brighton
£35,000
Funded
48h
Turnaround
Flexible
Repayments
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