Business funding
Merchant cash advance
A merchant cash advance gives you an upfront sum repaid as a fixed percentage of your future card takings — repayments rise and fall with your sales, so quiet days cost less.
No credit check to see your options.
Who it suits
Retail, hospitality and businesses with strong card sales
Owners who want repayments that flex with revenue
Those who may not qualify for a traditional loan
Pros
Repayments flex with sales
No fixed monthly amount
Accessible with imperfect credit
Worth knowing
Total cost can be higher than a term loan
Only suitable for card-taking businesses
Typical terms
Amount
Typically up to ~1× monthly card turnover
Repayment
A set % of daily card takings
Security
Unsecured
Indicative only — actual terms depend on the lender and your circumstances.
Related facilities
Frequently asked questions
Who is a merchant cash advance best for?
Businesses that take a meaningful share of revenue by card — like shops, cafés and restaurants — and want repayments that track their takings.
See what you qualify for
Start your application now — it's free, takes minutes, and there's no credit check to view your options.