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.

Here are 10 great things about a Merchant Cash Advance;

Does your small business need funds now? Here’s our list of ten things that make a Merchant Cash Advance a great option.

  1. Quick access to funds: Because it’s a simple process a Merchant Cash Advance can get cash into your bank within days! That’s something that can help a small business with immediate cash flow needs.
  2. Flexible repayment: Repayment is based on a percentage of daily credit card sales, which can vary with the business’s revenue. This means the repayment amount adjusts to the business’s cash flow.
  3. No security: Merchant cash advances do not require any security, making them accessible to small businesses that may not have assets to pledge as collateral.
  4. Simple application process: The application process for a merchant cash advance is simple and straightforward. Because we’re working with you and the lender, we’ll make sure you get your funds as soon as possible!
  5. No fixed repayment term: Unlike traditional loans, merchant cash advances do not have a fixed repayment term. The monthly repayment is based on your takings, so it’s always affordable!
  6. No credit check: Merchant cash advances do not require a credit check, which can be beneficial for small businesses that have poor credit scores.
  7. No restrictions on how the funds are used: The funds can be used for any business purpose, such as inventory, equipment, or marketing.
  8. Minimal paperwork: Merchant cash advances require minimal paperwork, making them a hassle-free option for small businesses.
  9. High approval rates: Merchant cash advances have high approval rates, making them an accessible option for small businesses that may not qualify for traditional loans.
  10. Helps build credit: Repaying your merchant cash advance on time can help you build your business credit score, which can improve your chances of getting approved for other loans in the future.

When is a merchant cash advance not the best option?

For business to business operations, a merchant cash advance might not be appropriate, a merchant cash advance is based on credit card sales, so if a lot of your sales are invoiced and paid by bank transfer then an invoice finance solution would be an option worth considering.

For a more established business and where there is less urgency other forms of lending might be lower cost, but because your advisor has access to different lending products and providers, we’ll get you FUNDED the best way possible!

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.

Get a free Merchant Cash Advance quote

There’s no obligation AND because you’re working with human experts, if there’s a better option for your business funding, we’ll look into that as well!

Why for your funding needs.

Now, as for why is the right partner to arrange your funding, here are a few reasons:

  1. Expertise: is an award-winning UK finance broker with years of experience in helping small businesses secure funding. Our team of experts can help you navigate the complex world of business financing and find the right solution for your needs.
  2. FUNDED: Our 6 step FUNDED system ensures you get the funding your business needs, when you need it!
  3. Access to a wide range of lenders: works with a large network of lenders, which means we can offer our clients a wide range of financing options.
  4. Personalised service: We pride ourselves on providing personalised service to each of our clients. We take the time to understand your business and your financing needs, and we work closely with you to find the best possible solution.
  5. Competitive rates: Our strong relationships with lenders allow us to negotiate competitive rates for our clients.
  6. Transparent process: We believe in transparency and honesty in everything we do. We will always be upfront about the costs and terms of your financing, and we will never charge any hidden fees.

Find out more about

take-away commercial mortgages

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!

Commercial and semi commercial property finance mortgage buy to let
shops for commercial investment mortgage

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.
pub mortgage business mortgage
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.)

Finally, regarding our partnership with Zidisha, here’s how we work together to fund businesses in the developing world:

Zidisha is a non-profit organisation that provides microfinance loans to small business owners in developing countries. works with Zidisha to fund these loans, which helps to support entrepreneurship and economic growth in these countries.

Through Zidisha, we are able to connect our clients with small business owners in developing countries, who are in need of funding to grow their businesses. Our clients can choose to invest in these businesses, which not only provides much-needed funding but also helps to create jobs and support local communities.

Overall, our partnership with Zidisha is just one example of our commitment to supporting small businesses around the world, and we are proud to work with them to make a positive impact on the lives of people in developing countries.

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