Merchant Cash Advance – Flexible Business Funding Through Your Card Sales
If your business accepts customer card payments, a Merchant Cash Advance (MCA) could be the flexible funding solution you need to support growth, cover unexpected costs, or improve cash flow.
As a credit broker (not a lender), Percy Finance works with a panel of carefully selected funders to help you access the right merchant cash advance for your business.
Eligibility Criteria
What is a Merchant Cash Advance
A merchant cash advance allows your business to borrow a lump sum and repay it through a small percentage of your daily card sales. This makes repayments flexible and directly aligned with your trading performance – ideal for businesses with fluctuating revenues.
What is a Merchant Cash Advance?
A merchant cash advance allows your business to borrow a lump sum and repay it through a small percentage of your daily card sales. This makes repayments flexible and directly aligned with your trading performance – ideal for businesses with fluctuating revenues.
- No fixed monthly payments – repayments are taken as a percentage of your card transactions
- Funding typically from £5,000 upwards, depending on your card turnover
- Suitable for businesses with at least £5,000 monthly card sales
- Quick application process, with decisions often within 24–48 hours
Businesses That Commonly Benefit From a Merchant Cash Advance
Hospitality & Food Businesses
Hospitality businesses with high daily card sales are perfectly suited to Merchant Cash Advances, as repayments align with seasonal and fluctuating income.
- Restaurants, cafés, and takeaways
- Pubs, bars, and nightclubs
- Hotels, B&Bs, and guesthouses
- Mobile food vans and street food traders
- Coffee shops and bakeries
Retail & E-Commerce
Retailers and online stores often benefit from Merchant Cash Advances because repayments flex with busy and quieter trading periods.
- Retail shops and high street boutiques
- Independent and specialist stores
- E-commerce and online businesses
- Florists and gift shops (seasonal sales peaks)
Health, Beauty & Lifestyle
Merchant Cash Advances are ideal for health, beauty and lifestyle businesses that rely on consistent card payments from customers.
- Hair salons, barbers, and beauty spas
- Gyms, fitness studios, and personal trainers
- Health clinics, dentists, and opticians
- Pet groomers, vets, and pet boarding services
Events & Seasonal Businesses
Event-based and seasonal businesses benefit from Merchant Cash Advances because repayments naturally match their income fluctuations.
- Event management companies
- Wedding suppliers and venues
- Seasonal service providers with fluctuating income
Transport & Automotive
Transport and automotive businesses with reliable card payment revenues can use Merchant Cash Advances for cash flow or business growth.
- Car dealerships and vehicle traders
- Garages, MOT centres, and repair workshops
- Taxi firms and private hire companies
Service-Based Businesses
Service-based businesses with regular card payments find Merchant Cash Advances a flexible way to access fast business funding.
- Cleaning companies and domestic service providers
- Childcare providers, nurseries, and after-school clubs
- B2B service providers accepting regular card payments
The Simple 4-Step Process
Who is a Merchant Cash Advance For?
Merchant cash advances are most popular with businesses that rely heavily on card transactions, including:
- Restaurants, cafés and takeaways
- Retail shops and e-commerce stores
- Hair and beauty salons
- Bars, pubs and hospitality businesses
If you use a card reader or merchant terminal and want a funding solution that grows and shrinks with your income, an MCA may be ideal.
