Funding repaid as you take card payments
Borrow against future card sales and repay a small percentage of each transaction — never a fixed monthly amount.
Business funding made simpler
- £5,000 – £500,000 funding
- 300+ UK lenders on our panel
- Initial decisions often within 24 hours
- Soft-search eligibility check
At a glance
About Merchant Cash Advance
Merchant cash advances (MCAs) are ideal for retail, hospitality and ecommerce businesses with strong card takings. The funder advances a lump sum and recovers it as an agreed percentage of each card transaction — so quiet days cost less, busy days cost more.
Why businesses choose Apex Loans
Expert support, access to a wide lender panel and a straightforward application process.
No fixed monthly payment
Repayment flexes with daily takings.
Same-week funding
Many advances completed within 5 working days.
No security required
Approval based on card sales, not assets.
Renewable
Top up or renew once 50–60% repaid.
Am I eligible?
Eligibility varies by lender, but businesses with an established trading history and regular turnover may have access to a wide range of funding options.
Our eligibility check takes around 60 seconds and helps us understand which options may be suitable. It uses a soft search only, so there is no impact on your credit score.
- UK card-accepting business
- Trading 6+ months
- Monthly card takings £5k+
Access a wide panel of UK business lenders
- 300+ UK lenders, from high-street names to specialist SME funders
- One application reviewed against multiple funding options
- FCA-regulated credit broker — we arrange finance, we are not the lender
- A UK-based funding specialist manages your case end-to-end
Frequently asked questions
Ready to explore merchant cash advance?
Check eligibility in around 60 seconds with no impact on your credit score.