Commercial Finance
Merchant Cash Advance for Card-Taking Businesses
Funding advanced against your future card takings and repaid as an agreed percentage of each day’s sales. Quiet week, smaller repayment — which is why hospitality, retail and leisure businesses use it.
- Founder-led brokerage
- Ormskirk based · UK-wide
- Broad panel of commercial lenders
Repayments That Move With Your Takings
A merchant cash advance is not a loan in the traditional sense. A funder advances a lump sum, and you repay it plus an agreed fee through a fixed percentage of every card transaction, collected automatically as customers pay.
For businesses with seasonal or weather-dependent trade — cafés, restaurants, salons, garages, retailers, gyms — that structure removes the worst risk of fixed borrowing: a large direct debit landing in a quiet month.
Decisions are based mainly on your card processing history rather than years of accounts, so a decision can often come back within a couple of working days, depending on the funder. It is a genuinely useful tool used well, and an expensive one used repeatedly — we will tell you honestly which position you are in.
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Where It Works Best
Typical uses among our clients:
- Refurbishments and refits ahead of a busy season
- Stock purchases for a seasonal peak
- Covering a quiet quarter without missing supplier terms
- Marketing pushes with a measurable payback
- Equipment replacement in hospitality and retail
- Bridging the gap while a longer-term facility completes
What This Means for You
No fixed monthly payment
You repay in proportion to what you take, so a slow month costs you less rather than more.
Light-touch process
Card processing statements do most of the work, so there is usually far less paperwork than a term loan and decisions tend to come back in days rather than weeks.
Open to newer businesses
Consistent card takings matter more than a long filing history, which suits businesses under two years old.
Honest advice on cost
We will compare the total cost against a term loan or overdraft and say plainly when one of those is the better answer.
Frequently Asked Questions
How much can I raise against my card takings?
Many funders will consider roughly one month’s average card turnover, and sometimes more for well-established businesses with consistent volumes. So if you take £40,000 a month on card, an advance of around £40,000 to £60,000 is a realistic starting point — but the figure each funder will offer depends on your trading history and their own criteria.
What does a merchant cash advance actually cost?
Cost is usually expressed as a factor rate rather than an APR, and it varies by funder, sector and risk. As an illustration only, a factor rate of 1.15 on £50,000 would mean repaying £57,500 in total. Because there is no fixed end date, the effective annual cost depends on how quickly you trade. Whatever the structure, we will show you the total figure in pounds before you commit.
Will it interfere with my card payment provider?
No. In most cases the advance sits alongside your existing merchant services and the agreed percentage is split automatically at settlement. You do not usually need to change terminals or providers, though a small number of funders require a specific processor.
Request a Callback
Send us three months of card statements and we will tell you what you can raise and what it will cost — in pounds, not percentages.