Merchant Cash Advance

What is a Merchant Cash Advance?

A Merchant Cash Advance (MCA)—also known as a Business Cash Advance—is a modern, unsecured alternative to traditional business loans. It offers a short-term cash boost of up to £500,000 to support your cash flow and business needs.

Unlike traditional loans, MCAs come with no APR or hidden fees. Instead, you agree on a clear, upfront cost, repaid as a fixed percentage of your future credit and debit card sales—typically over 6 to 9 months.

Why choose a Merchant Cash Advance?

Flexible Repayments
Pay a percentage of your daily card sales, aligning with your cash flow.

No Fixed Terms
Repay at a pace that adjusts to your business performance.

No Collateral Required
Secure funding without risking your assets.

A solution built for UK businesses

Recognized by the UK government as a viable alternative funding option, MCAs have helped thousands of SMEs thrive. Whether your sales are booming or slower during quieter months, you only repay based on what you earn—making it the perfect solution for managing fluctuating income.

Simple and transparent process

No hidden fees. No surprises. Just complete our quick online application and get a free, no-obligation quote today.

What are the benefits of a Merchant Cash Advance?

Access fast, reliable financing through Funding Unlocked. Our trusted network of top UK lenders provides tailored Merchant Cash Advance solutions designed to meet the unique needs of businesses across all industries.

Repayments as low as 5% of your cards sales
Factor rates from 1.15
Simple application process with a high approval rate
No admin fees, APR’s and hidden extras.
All card processors considered

Stock for a local convenience store

A shop owner applies for a Merchant Cash Advance to fund stock – the business processes £50,000 monthly card transactions.

£50,000 Merchant Cash Advance

The shop is approved for a £50,000 advance with a factor rate of 1.20. This means the total repayable amount is £60,000.

Daily repayments

The lender takes 10% of the shop’s daily credit card sales until the full amount is repaid.

Merchant Cash Advances, for all types of businesses

A merchant cash advance is a relatively new addition to the UK financial market, offering a range of appealing features for businesses in sectors like retail, hospitality, and leisure.

In fact, any business that processes debit or credit card payments through a card terminal may be eligible. It’s the perfect financial product to support your business growth.

Restaurants and Cafés

High volume of card transactions. Need quick access to cash for renovations, equipment upgrades, or expanding menu options.

Retail Stores

Regular card payments make them suitable for MCA repayment structures. Use funds for purchasing stock, refurbishing premises, or launching marketing campaigns.

E-commerce Businesses

Consistent online card payments. Funds can be used to manage inventory, enhance website functionality, or invest in digital advertising.

Salons and Spas

Frequent card payments from customers for beauty and wellness services. Use MCAs to upgrade equipment, expand services, or improve the premises.

Bars and Pubs

Steady card transactions, especially during peak times. Funds can help with refurbishment, purchasing stock, or expanding operations.

Hospitality Businesses (Hotels, B&Bs)

Regular card payments from bookings. Use MCAs for renovations, marketing, or improving guest services.