Merchant Cash Advance for UK Businesses

Turn your card sales into working capital. A merchant cash advance lets your business access funding quickly — with repayments that flex with your income, not against it.

Check Your Eligibility

Merchant Cash Advance for UK Businesses

Turn your card sales into working capital. A merchant cash advance lets your business access funding quickly — with repayments that flex with your income, not against it.

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.

You receive a lump sum upfront, which is repaid automatically as a small percentage of your daily card takings. When sales are strong, repayments are higher. When trading is slower, repayments reduce accordingly — making an MCA ideal for businesses with seasonal or fluctuating income.

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.

Eligibility Criteria

Most businesses that accept card payments can apply. Here’s what funders typically look for.
 
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Minimum Monthly Revenue
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Months Of Trading
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Pure Card Sales Through a Business Bank Account

Business Types Eligible for a Merchant Cash Advance

Hair & Beauty Salons

Pubs & Restaurants

Cafés & Shops

Takeaway Food Shops

Which Businesses Qualify for a Merchant Cash Advance?

A merchant cash advance is available to any UK business that regularly takes card payments. If your business processes at least £5,000 in monthly card sales and has been trading for 3 or more months, you could be eligible — regardless of your industry.

  • Hospitality

  • Restaurants, cafés and takeaways
  • Pubs, bars and nightclubs
  • Hotels, B&Bs and guesthouses
  • Coffee shops and bakeries

  • E-commerce

  • Retail shops and boutiques
  • Independent and specialist stores
  • Florists and gift shops
  • Online retailers taking card payments

  • Health & Beauty

  • Hair salons, barbers and beauty spas
  • Gyms, fitness studios and trainers
  • Health clinics, dentists and opticians
  • Pet groomers and vets

  • Events & Seasonal

  • Event management companies
  • Wedding suppliers and venues
  • Seasonal service providers
  • Leisure and entertainment venues

  • Transport

  • Car dealerships and vehicle traders
  • Garages, MOT centres and workshops
  • Taxi firms and private hire companies
  • Courier and delivery businesses

  • Service Based

  • Cleaning and domestic services
  • Childcare providers and nurseries
  • B2B businesses taking card payments
  • Tradespeople and home improvers

Business Types Eligible for a Merchant Cash Advance

Hair & Beauty Salons

Pubs & Restaurants

Cafés & Shops

Takeaway Food Shops

How to Apply for a Merchant Cash Advance

Enquiry

Complete our short online enquiry form with basic business information

Review

We review your card sales history and business profile

Matching

We approach selected funders most likely to approve your application

Offer

You’ll receive competitive merchant cash advance offers