Merchant Cash Advance

A merchant cash advance is an alternative to a business loan, unsecured it works against your business card receipts, providing finance against your future card sales.

Merchant cash advance – faster business funding

Alternative business finance for retail business – Merchant Cash Advance.

Getting the right business finance is vital for the continued growth of your business. A Merchant Cash Advance is unsecured and fast. We can have the funds in your bank account in a matter of days.

With no fixed payments and no security the finance is an advance against your future card sales.

For business to business operations, a merchant cash advance might not be appropriate

Unlike the big banks we’re not offering a “cookie cutter” lending product. We’ll ensure that a business cash advance will fit your business before you apply, so contact us to find out how we can help you.

Why for your funding needs.

We’ve been arranging funding since 1997 and, if you’ll forgive us for boasting but we think we’re quite good at it!

In fact – 7 x UK Best Broker Awards back us up in that assertion, so does our 5 star customer feedback.

So -for your buy to let mortgage needs, or anything else funding – make sure you use a broker you can trust.


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What can I use a business cash advance for?

For cash-flow, business development, stock or growth, a merchant cash advance could be ideal.

As it’s unsecured, you only need to be a trading business with 3 month’s history to apply.

In fact – so long as it’s legal you can probably raise funds to do it!

Alternatives to a Merchant Cash Advance

A business cash advance is going to give you a quick cash injection into your business. They are similar to business loans though – so our experts will consider both options to make sure the business funding we recommend fits your business like a glove!

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How to get a cash advance

The general requirements for a successful business cash advance application are straightforward and similar across all lenders;

  • Who is the applicant?
  • What are your typical monthly card receipts?

Different lenders will set different height “bars” for each of the above requirements.

Some lenders will expect a good credit profile or a minimum level of sales, but this differs with different providers, so contact us with your details and we’ll get the right funding for you.

Bridging loans for businesses

There is a variety of circumstances which could make a business mortgage unavailable, these might be around the applicant, the business or around the property.

Bridging finance can be used to meet a number of these areas;

  • Property improvements.
  • Starting up a business in the property.
  • Business development.
  • Short term funding needs for other reasons.
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business loan as alternative to commercial mortgage - York shopping street - The Shambles

Business loans

A more flexible alternative to a commercial mortgage, especially a remortgage could be a business loan. The requirements for a business loan might be less stringent, especially around the property.

Because the repayment term of a business loan (especially an unsecured loan) will be much shorter – the repayments will be much higher, even for a smaller amount (Using our commercial mortgage calculator compare a 25 year term to a 5 year term and see the difference in repayments.)

Contact us now on 0808 164 2364 – 4th Floor, Silverstream House, London. W1T 6EB