Merchant Cash Advance
Running a business that relies on card sales can mean unpredictable cash flow, especially during seasonal dips or while waiting on invoices. A Merchant Cash Advance (MCA) gives your business a flexible, fast funding solution that grows in line with your card sales, so you only repay when you’re earning.
At Apex Loans, we help UK SMEs secure merchant cash advances to free up working capital, cover unexpected expenses, and invest in growth, all without the hassle of traditional loans.
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Merchant Cash Advance
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Why Use a Merchant Cash Advance?
Fast funding
Access £5,000–£500,000 in as little as 24–48 hours
Flexible repayments
Pay back through a fixed % of daily card sales
No fixed term
Repay faster when sales are high, slower when they’re not
No hidden fees
Simple, transparent costs agreed upfront
How Does a Merchant Cash Advance Work?
- Apply online – Share your recent card sales history.
- Get an offer – Lenders base your advance on average monthly card revenue.
- Receive your funds – Lump sum paid directly into your business account.
- Automatic repayment – A fixed % is taken daily from card takings until fully repaid.
- Reuse if needed – Many lenders offer top-ups once a portion is repaid.
Who Can Get a Merchant Cash Advance?
Merchant cash advances are perfect for:
- UK businesses that process debit and credit card payments
- Sectors like retail, restaurants, salons, and hospitality
- SMEs with consistent monthly card sales
- Businesses looking for unsecured, flexible funding
Typical eligibility: minimum £5,000 in monthly card sales and at least 6 months’ trading.
Key Merchant Cash Advance Features
Advance size | £5,000 – £500,000+ |
Repayment method | % of daily card sales |
Term | No fixed term – repay as you earn |
Security | Unsecured (personal guarantee may be required) |
Approval speed | 24-48 hours in many cases |
Cost | One agreed fee upfront, no extra interest |
Pros and Cons of a Merchant Cash Advance
Pros
- Quick access to working capital
- Flexible repayments that match your cash flow
- No fixed monthly instalments
- Ideal for businesses with fluctuating revenue
Cons
- Can be more expensive than traditional loans
- Only suitable for businesses with strong card sales
- Daily deductions reduce immediate cash inflow
Applying for a small business loan with us is straightforward:
Assess Your Needs
Determine the amount you need and the purpose of the loan.
Check Eligibility
Ensure your business meets the basic criteria.
Prepare Documentation
Gather necessary documents such as business bank statements, financial statements, and a business plan.
Submit Application
Complete our online application form or contact our team for assistance.
Feel free to use our Business Loan Calculator
**Note: For exceeding 120 no. of payments, a group of 12 payments will be combined into a single payment number for better chart visibility.
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Calculator Disclaimer
The repayment amount shown using this calculator is an estimate, based on information you have provided. It is provided for illustrative purposes only and actual repayment amounts may vary. To find out actual repayment amounts, contact us. This calculation does not constitute a quote, loan approval, agreement or advice. It does not take into account your personal or financial circumstances.
Our tailored and transparent process is designed to make your loan search and selection as seamless as possible
Submit Your Enquiry
Simply complete our short online form with your details and funding needs to begin your search for business finance.
Expert Consultation
Our expert will contact you to understand your requirements to match you with suitable lenders and products.
Get Your Offers
We connect you with trusted lenders and provide free quotes. Choose the best option, and we’ll handle the application.
Get Funded!
Once approved, receive your funds and start invest in your business growth and scale with confidence and ease.
What Is a Merchant Cash Advance?
A Merchant Cash Advance is an alternative business finance solution that lets you borrow a lump sum upfront, which you repay automatically through a small, agreed percentage of your daily debit and credit card sales.
It’s not a traditional loan, instead, repayments flex with your sales, making it ideal for businesses with strong card revenue like retail, hospitality, and ecommerce.
Get Answers to Your Most Common Questions
We've compiled a list of frequently asked questions to provide you with quick and helpful answers about Merchant Cash Advance in the UK.
How much can I borrow with a Merchant Cash Advance?
It depends on your average monthly card sales, typically lenders offer 50–150% of your monthly card turnover.
Do I need to provide security or collateral?
No physical assets are required, but some providers may ask for a personal guarantee.
How are repayments collected?
Repayments are automatically deducted as a fixed percentage of your daily card transactions through your card terminal provider.
How fast can I get the funds?
Many approved businesses receive funds within 24-48 hours of submitting their application and documents.
Can I top up my Merchant Cash Advance?
Yes, once you’ve repaid a portion of your advance, many lenders allow you to apply for a top-up if you need additional funds.
Why Choose Apex Loans for a Merchant Cash Advance?
At Apex Loans, we connect you with trusted UK lenders who specialise in merchant cash advances for SMEs. We make it easy to compare offers, understand your costs upfront, and get funding fast, all while keeping your cash flow smooth.
- Compare leading MCA providers in minutes
- Quick, hassle-free applications
- Clear, upfront fees, no surprises
- Expert support whenever you need it
Apply for a Merchant Cash Advance Today
Don’t let cash flow gaps hold you back. Apply for a Merchant Cash Advance with Apex Loans today and access the flexible funding you need to grow, all while repaying as you earn.