Merchant Cash Advance

A Merchant Cash Advance can be an ideal solution for any business with a fluctuating cash flow. Repayments are calculated using your monthly credit card transactions. This product works particularly well for shops, restaurants and other B2C businesses which may have fluctuating or seasonal cash flow variations.

With a Merchant Cash Advance you only repay when you trade – if business is slow, you pay less. The total repayable is fixed. Whether you repay in 1 or 18 months, the total repayable agreed on will remain the same.

The loan amount and the repayment amount are determined based on your business card transactions. This is worked out using the factor rate which is subject to underwriting.

What is the advantage of a Merchant Cash Advance?

Improved cash flow .
No fixed repayment periods.
You only pay as you trade; when the business is quiet, you pay less .
Top-ups available after 4 months .
Automated process with no manual payments from the customer .
No collections from cash payments .
We can work with all card terminal acquirers .

Does Your Company Qualify?

Merchant Cash Advances are availably to all UK based limited companies, sole traders and partnerships. Terms and conditions are subject to qualifying criteria and clear credit searches on the company and its Directors.

You will need to meet the following criteria:

Merchant Cash Advance