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Merchant
Cash Advance

Fast access to working capital with flexible, revenue-based repayments. For businesses with strong card sales that need funding.

Get speed, simplicity, and transparency with a Merchant Cash Advance.

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What is a Merchant Cash Advance?

A Merchant Cash Advance is a flexible financing solution designed to support a wide range of businesses. It’s easier to qualify for than a traditional loan, making it ideal for companies that need extra capital to grow, even if they have poor credit, limited assets, or operate in industries that often struggle to access funding.

With flexible options and quick access to funds, a Merchant Cash Advance is a convenient choice for small and medium-sized businesses. Click here to apply today.

Merchant Cash Advance Explained

What is a Merchant Cash Advance (MCA) ?

An amount paid to your business and to be repaid through your daily card sales over a variable time frame (typically 9-months) depending on your card sales with a fixed fee.

How Much Advance Can I Get With an MCA?

From £15,000 up to £250,000.

What Security Do I Need For a Merchant Cash Advance?

Personal Guarantees from all directors and in some cases, large shareholders.

Can my business apply?

  • Yes, if you’re a Limited company or a Sole Trader/Partnership.
  • Yes, if you are registered in England, Wales, or Scotland.
  • Yes, if you have over £15,000 average monthly revenue.
  • Yes, if there are no bankruptcies or disqualifications.
  • Yes, if there is card terminal revenue evident in cashflows.

What Information do I need to apply for an MCA?

  1. Company name / registration number
  2. 6-months company bank statements OR Open Banking
  3. Amount requested and reason for funds
  4. Homeownership details (address & mortgage value)
  5. Card terminal supplier and any outstanding balances with existing MCA’s

 

How Quickly Will My Business Get The Funds?

From the point we have the minimum information package:

  • Indicative offer within 4-hours
  • Funding within 24-hours

 

How Do My Repayments Work?

With a Merchant Cash Advance, repayments are designed to match your cash flow:

  • Revenue-Based Repayments: A small, agreed percentage is automatically taken from your daily card sales. On busy days you pay a little more, and on slower days you pay less.
  • No Fixed Due Dates: Repayments are tied to your card terminal receipts; there’s no pressure of missing a fixed payment.
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What You Can Do With A Merchant Cash Advance

Funding alternative has helped hundreds of UK merchants with a Merchant Cash Advance over the past years.

Whether you own a restaurant or pub, have a salon or any other industry with strong card sales, our team can assist!

£20,000 Merchant Cash Advance – Butchery

An established butchery in London approached us seeking £20,000 in funding to expand their business to add delivery.

The result:

  • Funding offered within 49 minutes of receiving the application. 
  • Fully funded late in the afternoon, on the same day.
  • Client was able to cover the costs for packaging, transport and launch costs.

 

>> Learn More

£30,000 Merchant Cash Advance – Birmingham Bakery

An established bakery approached us needing £30,000 in funding to refurbish their shop and stay open through the quieter build phase.

The result:

  • Funding approved within 57 minutes  of receiving the applicable paperwork.
  • Fully funded the next business morning as the application was received late in the day.
  • Business able to use the funding to refurbish and open a larger space in the eating area.
  • As a result they have increased the number of customers they can serve.

 

>> Learn More

£20,000 Merchant Cash Advance – Restaurant

With summer approaching, a restaurant needed £20,000 in funding for a kitchen upgrade. They wanted to do this without draining the day-to-day cash flow.

The result:

  • After paperwork submission, offer provided to the restaurant within a few hours.
  • Funding provided within 24 hours.
  • The restaurant was able upgrade their kitchen and expand their menu.

 

>> Learn More

Trusted Partners We Work With

WorldPay Partner

Exceptional payments technology and expertise for businesses.

Rated on Trustpilot

Positive reviews from businesses and brokers on TrustPilot.

Receipt Bot Partner

Receipt Bot converts PDF bank statements into structured data for analysis.

Transunion Partner

Transunion offers total credit protection all in one place from credit alerts, credit reports and credit scores.

Square Partner

Use Square to manage your cash flow, for checking and savings accounts and for small business operations.

Elavon Partner

Solutions built to meet your needs now and scale with your business as it grows.

SumUp Partner

Keep payments simple and reliable, so your business can keep the neighborhood buzzing.

Choose Funding Alternative For Your MCA

What UK Businesses Say About Our Merchant Cash Advance

Excellent Experience
Working with Funding Alternative has been excellent. Efficient communication and prompt support have made a significant difference for our business. The funding received has enabled us to purchase stock at better prices and grow the business.

I would gladly recommend them. It's been a stellar experience. 10 out of 10.
Andrew Thorpe
Broker Feedback
As a broker at FundOnion, I’ve worked with many lenders, and Funding Alternative is always a standout. Their quick turnarounds make a real difference for clients who need urgent funding.

What I appreciate most is their willingness to look beyond just the numbers and take the client’s backstory into account. They find solutions where others might not, giving businesses the opportunity they need to move forward.
Angelo Christodoulou
Next Day Funding
Funding Alternative provided exceptional service with a quick, hassle-free application process. Their team was responsive and helpful, making it easy to secure the funds I needed.

Terms were clear and easy to understand, and I always got to speak to a human on call. Highly recommend for fast and reliable financial support.
Hamzah Hussein
Needed quick funds for my business and…
Needed quick funds for my business and Funding Alternative delivered within 2 days!
The team answered any question I had and seemed very friendly and patient with me. Highly recommend!
Ejoaon
Top Notch Service
I applied as I needed urgent funds for stock - was funded next day hassle free.
Connor

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Merchant Cash Advance News & Information

We know the challenges entrepreneurs face because we’re entrepreneurs too. We’re more than a source of funding; we’re a partner who understands your vision and supports your ambition.

Our approach combines financial flexibility with genuine understanding and a human touch. It’s about more than just money, it’s about moving forward together.