Business Finance
Repay as you take card payments
A lump sum repaid as a fixed share of daily card takings, so the payment flexes with trade.
- Facility
- £5,000 to £500,000
- Term
- 4 to 12 months typical
- Speed
- Funds in 24 to 72 hours
- Security
- Unsecured
What it is
A merchant cash advance is a lump sum repaid as a fixed percentage of your daily card takings. Trade slows and the payment shrinks with it, so the term stretches rather than the repayment biting. It suits hospitality, retail and salons where income arrives card by card and a fixed monthly figure would be awkward.
Be clear on the cost. It is priced as a factor rate, not an interest rate. Borrow £50,000 at 1.3 and you repay £65,000, taken as an agreed slice of your daily card takings. Quiet month, smaller payment, longer term. It is more expensive than a term loan, and if your bank conduct is strong and you can wait a week, we will tell you to take the loan instead.
Who it suits
- You take most of your income by card and want repayments that flex with trade.
- You need funds in days, not weeks, for stock or a short opportunity.
- You have been declined for a term loan on paper but the till tells a better story.
- You accept a higher cost in exchange for speed and repayment that follows takings.
Tell us what you need to fund
Four quick details and Reece comes back within one working day.
How it works with us
Conversation
One call to understand the deal, the timescale and the exit. You get a straight read on whether it funds before anything else happens.
Terms
Indicative terms within 24 hours, with the cost stated in pounds and the trade-offs named, so you decide before an application goes in.
Lender selection
We place it with the lender on our panel of over 165 that fits the case, not the one that pays us the most. Where a product is wrong for you, we say so.
Drawdown
We manage valuation, legals and conditions through to drawdown, and stay your single point of contact until the funds land.
Common questions
It is priced as a factor rate, typically 1.1 to 1.5 times the advance, not an interest rate. We will show you the total repayable in pounds before you commit.
