What is a merchant cash advance?
A merchant cash advance (MCA) provides funding that is repaid from a percentage of your card sales. Repayments can rise and fall with revenue, which can help some businesses manage seasonality.
Sales-linked repaymentsCard-taking businessesFast access (case dependent)Clear total cost
Who it can suit
- Retail and hospitality
- Service businesses with card turnover
- Seasonal businesses needing flexible repayment
Important to know
MCAs are priced differently to loans. We'll help you understand the total payback and compare alternatives so you can choose what's best for your business.
Typical MCA ranges
Amounts£5k–£500k+
Repayment% of card sales
SpeedFast (case dependent)
TermDepends on sales
Want a quick check? Use the Apply now tab to send your enquiry — we'll respond with clear next steps.