• Borrow from
    £10k to £500k

  • Competitive rates
    from as low as 3.95%

  • No upfront fees
    or hidden charges

  • Same day funding
    options available

  • Flexible repayment
    terms up to 5 years

Merchant Cash Advance

What is a Merchant Cash Advance?

To put it plainly, a merchant cash advance is where a funder purchases the future card takings of your business and advances you from 100% – 300% of your average monthly card takings.

The funder will then agree a % split of future card takings, adding a fixed cost of finance, that will never change throughout the agreement.

This is then paid back from the % of card takings calculated over a set period. However, if the business has a sudden downturn, then there are no penalties. On the flip side of that, as business increases, you pay back the advance back quicker.

This is seen as a great unsecured short-term funding for high transaction and seasonal businesses. It helps keep your repayment’s inline with your business cashflow.

The Funding Store is your home for finding and selecting competitive business finance for your business. Our team work with a wide panel of reputable lenders offering various finance solutions and we can help source a finance solution that meets your needs.

Merchant Cash Advance

  • Borrow £3,500 – £500,000

  • Minimum of 4 months trading

  • Minimum turnover of £2,500 per month through card terminals

  • Non-homeowners considered

  • Our funders can work with all card terminal acquirers

  • No fixed repayment period

  • When the business is quiet, you pay less, you only pay as you trade

How it works

Business Cash Advance Example

Merchant Cash Advance Example

Amount Funded: £20,000
Factor Rate: 1.12
Amount Repayable: £22,400
Monthly Repayment: 10%

In the illustration above, when a card transaction is made the funder receives their agreed split of 10% on every sale made.

This is not interest, the interest has already been agreed and added upfront, this is the percentage of merchant card sales that you will repay.

The Funding Store have a panel of lenders that can assist with your search for that right business loan.

Once you have decided what best suits your business needs then why not contact us on 01908 880420 or request a call back at a more convenient time.

It is a really flexible type of funding to take, as you have no hidden charges, no early or late fees and the repayments are based on your card transactions.

So when business is good, you repay more sooner and when your business has a dip in sales, you repay less.

Same day decision

Often speed is of the essence. We are responsive and fast moving. In fact, we can get you a decision in just 3 hours and have your finance with you on the same day of your application approval.

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Competitive rates

Use our quick quote calculator and submit a quick quote enquiry, we will then search our extensive panel of reputable funders to find a competitive solution for you. All without obligation or upfront fees.

Quick Quote

UK based team

There is no single finance solution that works for every business, that is why we tailor our service and support around the requirements of you and your business. If you have a question we will be pleased to help.

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Are you looking for a hassle free loan application with
no hidden fees and no upfront charges?

We are continually reviewing funding providers to bring you choice, competitive rates and flexibly to access the right finance, at the right time. But most importantly, we are passionate about what we do. This is evident in our enthusiasm and commitment to assisting you at each stage and after you have secured your finance.

Sourcing finance, supporting growth

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Quick Application

Merchant Cash Advance Funding

There is no single funding solution that works for every business, so we tailor our service and support to your needs. We work with a wide range of reputable lenders to bring you choice and competitive finance options.

Contact us today to discuss how a Merchant Cash Advance would work for your business

We work with all types of businesses in the UK. Apply for finance via the form on this page or contact us, 7 days a week, to discuss your requirements.

Our UK based account managers are experienced in business and finance and can talk you through your options and build a tailored solution that works for you.

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