Funding based on your card takings, repaid automatically as a small percentage of daily card revenue. No fixed monthly payment, no security required. Ideal for retail, hospitality and service businesses.
A merchant cash advance (MCA) provides a lump sum of capital in exchange for an agreed percentage of your future card sales until the advance — plus a fixed fee — is repaid. Unlike a traditional loan, repayments fluctuate with your revenue: busy months mean faster repayment; quiet periods mean lower repayments.
Because repayment is linked to card takings, MCAs are particularly well-suited to businesses with seasonal or variable revenue patterns.
"MCAs are priced differently to conventional loans — using a factor rate rather than an APR. This makes comparison between providers genuinely complex. We help you understand the true cost of each offer and compare it against alternative funding options to make sure an MCA is the right fit."
Tell us your monthly card takings and we'll compare MCA providers and alternatives across the market.
Speak to a Specialist → 📞 01392 241669