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Merchant Cash Advance
Made Simple

Turn Tomorrow’s Card Sales Into Today’s Cash – Without The Headache of Fixed Repayments

  • FCA Regulated
  • 1000+ Customers
  • over £1 billion of funding arranged
  • Rated Excellent on Trust Pilot

A merchant cash advance gives your business quick access to funds based on your future card sales. Instead of fixed monthly payments, you repay through a small percentage of your daily card transactions. It’s funding that finally works the way your business does – with repayments that go up when you’re busy and down when things are quieter

Get The Funding You Need in 3 Easy Steps

1. Enquire online in 60 seconds

Provide a few basic details about your loan requirements

2. Same day decision

No waiting around for decisions, we’ll get you a decision today

3. Get your funds fast

Once approved you will receive your funds the same day

How much would you like to borrow?

Merchant Cash Advance Finance

Fast Funding

No lengthy business plans, no jumping through endless hoops. We look at your recent card sales history, make a quick decision, and get money flowing into your business when you need it most. Perfect for those "I need capital yesterday" situations that all business owners face

Only pay what you make

Having a slow month? Your repayments naturally decrease. Smashing your sales targets? You'll clear your advance faster. It's funding that finally acknowledges the real-world ups and downs of running a business, not some banker's idea of what your cash flow should look like.

No fixed term

You'll keep paying that same small percentage of your card sales until the advance is repaid, whether that takes 4 months or 12. This removes the pressure of meeting rigid monthly deadlines and gives you breathing room when you need it most. It's funding designed for the real world, not a spreadsheet.

Unsecured funding

There's no "list everything you own" paperwork and no risk of losing your personal belongings if business gets tough. The advance is based on the strength of your card sales, not what you personally own. Your business and personal life stay properly separated.

Why Choose Business Finance House As Your Business Loan Partner

Speak to an expert

No telesales or call centres, ever, just good, honest & impartial advice!

Source From Over 80 Lenders

We’ll do the hard work for you, you run your business!

Hassle & Jargon Free

Business finance doesn’t have to be tedious and boring!

Client Success Stories
Helping UK Businesses Grow

Same day £200,000 VAT Loan Arranged for a National Telecommunications Company

Took the pressure off the company's quarterly cash flow and allowed them to continue delivering new and existing contracts. A national telecommunications company approached Business Finance House as they needed quick funding for a £200,000 VAT bill. We were able to arrange a same-day loan for the full amount that was repayable over 3 months. View Client Success Stories

£250,000 Unsecured Vat Loan For A National Materials Wholesaler

Boosted cash flow and maintained operations A national materials wholesaler needed flexible working capital to manage short-term VAT obligations. With minimal security requirements, our lender provided a £250k 3-month facility, enabling the business to preserve cash flow and strategically manage HMRC payments without disrupting operations. View Client Success Stories

£650,000 VAT Loan With No Personal Guarantees For an LLP Solicitors Firm

Maintained Cash Flow & Paid HMRC on Time A southern-based law practice had a hefty VAT bill that would have been a struggle to pay in one lump sum. They approached us requiring a 3-month VAT loan that would get the bill paid on time and not disrupt their cash flow. We were able to source a loan for the full amount within days and the lender did not require personal guarantees. View Client Success Stories

Meet The Team
Qualified, Experienced And Ready To Help
Don't let finances stand in the way of
making your business a success

Contact us now and turn hurdles into stepping stones. Speak to an expert who is on hand to help.

Your Questions ABOUT Merchant Cash Advance Answered
What exactly is a merchant cash advance?

A merchant cash advance isn’t technically a loan – it’s an advance against your future card sales. We give you a lump sum upfront, and in return, you agree to pay back that amount plus our fee by letting us take a small percentage of your daily card transactions until the total is repaid. There’s no fixed repayment term – the advance is repaid at the pace of your business. When sales are good, you repay more quickly. When sales are slower, your repayments naturally decrease.

Most businesses qualify for advances between £5,000 and £300,000, though higher amounts are possible for established operations. The amount you can access typically ranges from 100% to 150% of your average monthly card sales. For example, if your business processes around £20,000 in card sales each month, you might qualify for an advance between £20,000 and £30,000. We’ll help you determine the right amount that gives you the capital you need without taking on more than makes sense for your cash flow.

Speed is where merchant cash advances really shine. Once you provide your last 4-6 months of card processing statements, we can typically approve your application within 24 hours. After approval, funds are usually deposited directly into your business bank account within 1-2 business days. From application to money in your account often takes less than a week – sometimes as little as 48 hours for straightforward cases. That’s light-years faster than traditional bank financing.

The exact percentage typically ranges between 8% and 20% of your daily card sales, with most businesses falling in the 10-15% range. We’ll work with you to set a percentage that gives you the cash flow breathing room you need. The beauty of this system is that the percentage stays fixed, but the daily amount fluctuates based on your sales – creating a repayment structure that naturally adapts to your business rhythm rather than fighting against it.

Not at all. While traditional lenders might obsess over your credit score, merchant cash advances focus primarily on your card sales history. If your business consistently processes card payments and has been trading for at least 6 months, you’ll likely qualify – even with credit challenges in your past. We’ve helped businesses secure funding even after being rejected by banks and other lenders. As long as your card sales show a healthy business, past credit issues won’t automatically disqualify you.

Any business that regularly accepts credit and debit card payments can benefit from a merchant cash advance. These are particularly popular in retail, restaurants, cafes, bars, salons, spas, auto repair shops, dentists, veterinarians, and similar businesses where a significant portion of revenue comes through card payments. If at least 30% of your revenue comes through card transactions, a merchant cash advance could be a good fit. The higher your percentage of card sales, the more efficiently this funding option works.

Unlike some types of business financing that come with strict usage requirements, merchant cash advances offer complete flexibility. Need to purchase inventory? Renovate your space? Launch a marketing campaign? Cover an unexpected expense? Hire seasonal staff? The choice is entirely yours. The money works like cash in your business bank account – you decide how to best use it to grow or sustain your operation. This flexibility is another reason many business owners prefer this funding option.

The process is refreshingly hands-off. Once your advance is set up, the agreed percentage of your card sales is automatically directed to repay your advance before the remainder hits your bank account. There’s nothing to remember, no checks to write, and no manual transfers to make. The system works in the background while you focus on running your business. Most merchants report they barely notice the repayments since they’re taken before the money reaches their account, rather than being pulled from existing funds.

Instead of interest rates, merchant cash advances use a factor rate (typically between 1.1 and 1.5) to determine the total repayment amount. For example, with a factor rate of 1.3 on a £20,000 advance, you’d repay £26,000 in total. When converted to an equivalent annual percentage rate, merchant cash advances typically work out higher than traditional bank loans. However, they offer benefits that often outweigh this premium: faster funding, flexible repayments, no collateral requirements, and more accessible approval criteria. For businesses needing quick capital or those that don’t qualify for bank funding, the additional cost is often well worth the advantages.

Yes, many businesses qualify for additional funding once they’ve repaid about 50-60% of their existing advance. This “top-up” option provides ongoing flexibility to manage your cash flow or take advantage of new opportunities without waiting for complete repayment. We can assess your current repayment progress and card sales volume to determine if additional funding makes sense for your situation. This rolling access to capital is another advantage over traditional loans that often restrict additional borrowing until the original amount is fully repaid.

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