Merchant services
Merchant cash advance
A merchant cash advance provides funding against your future card sales, repaid through an agreed percentage of your takings rather than a fixed monthly payment. We assess whether it fits your cash flow, compare funders and negotiate the terms before you commit.
Who this is for
Card-taking businesses that need working capital for stock, equipment or growth and want to explore funding alongside their existing bank facilities. It is most useful where established processing history lets a funder assess future takings; we will say if another option looks more suitable.
How it works
01
Understand the need
A short call to discuss what you need to fund, your card volumes and your existing commitments.
02
Review the numbers
We review recent processing statements and cash flow to assess whether repayments would leave enough money to run the business.
03
Compare funders
We source suitable offers and compare the advance, total repayment, factor rate and any additional conditions.
04
Agree the terms
We negotiate the offer and make sure you understand how deductions work, including any guarantees or security requirements.
05
Manage the application
We coordinate documents and funder questions through to the agreed funding and repayment setup.
FAQ
Your questions, answered.
- How is a merchant cash advance repaid?
- Usually an agreed percentage of your card takings goes towards repayment. When takings fall, the amount collected generally falls too. Check the offer for minimum payments or other conditions before signing.
- How much does it cost?
- The funder quotes the total amount you must repay, often using a factor rate. We compare that total, any fees and the repayment terms so you can judge the cost before accepting an offer.
- Will I need to provide security or a personal guarantee?
- Requirements vary by funder and your business. An advance is based on future card sales, but that does not mean every offer is free of guarantees or security conditions. We check the documents with you before you commit.
- How quickly can I receive the funding?
- Some funders can move within days once they have reviewed a complete application, but timing depends on their checks and the documents needed. We confirm the expected timeline rather than promise a funding date.