Merchant Cash Advance

Flexible funding for businesses that generate regular revenue through card or electronic payments.

What it is

A merchant cash advance provides upfront funding to a business based largely on its card or electronic payment turnover. Rather than using a fixed monthly repayment in the same way as a conventional loan, repayments are commonly linked to future payment revenues.

When it may be useful

It can be relevant for card-led businesses such as hospitality, retail, leisure and other businesses with consistent electronic payment volumes, particularly where the business wants funding that moves in line with trading activity.

Common uses and solutions

Hospitality businesses
Retail businesses
Leisure businesses
Card-led service businesses
Short-term investment
Working capital

How it works

The provider will typically assess recent card or electronic payment performance alongside the wider trading position of the business. We can help identify suitable providers, explain the structure and support the business through the information and application process.

Merchant Cash Advance