Merchant Cash Advance
Card-receipt-aligned funding for retail, hospitality, e-commerce.
Repay as you earn — advances repaid as a percentage of daily card receipts. No fixed monthly payment.
Ticket size
£5K – £2M
Turnaround
Funded in 48h
Capital partners
14+
Composes with
3 sectors
Key highlights
What sets this apart.
No fixed repayment
Card-receipt aligned
12-month max term
The problem
Why this capability exists.
Seasonal retailers and hospitality operators struggle with fixed-payment loans — MCA flexes with takings.
Our approach
- 01
Connect your card processor for instant transaction-history underwriting.
- 02
Quote across MCA panel for blended factor and split-rate.
- 03
Compare against revenue-based finance and short-term loans.
Outcomes you can expect
- Median funding in 48 hours
- 14 MCA funders on panel
- Revenue split typically 8–18%
Typical structures
How merchant cash advance deals are commonly built.
Indicative structures we orchestrate across our capital partners. Final terms depend on borrower profile, asset and exit.
Hire Purchase / Lease
Asset-secured, balance-sheet or off-balance-sheet treatments.
Invoice Finance
Confidential or disclosed; advance rates 80–90% of debtor book.
Revenue-Based Finance
Repayments flex with monthly revenue — ARR or e-commerce backed.
Library OS
Live signal · stack ideas · audience fit.
Three modules that turn this capability page into an orchestration view, not a brochure.
Lender appetite right now
What our desk is seeing on this capability this week.
- down
Alt-fintech lender · Revenue-based finance
Second consecutive quarter of arrears uptick in casual dining cohort.
Pulled appetite for hospitality
- down
Captive OEM finance · Heavy plant + yellow metal
Manufacturer subsidy to clear Q1 stock. Closes 30 June.
0% interest on 36-month deals to £250k
- flat
Two clearing banks · Working capital RCF
Leverage covenants relaxed by 0.25x for £5m+ revenues with audited accounts.
Margins held; covenants softened
Who this fits
Audience fit, scored from the brief.
SME founders & CFOs
100%
Working capital, growth funding, asset finance, invoice finance.
Brokers & intermediaries
25%
Lender intel, criteria shifts, packaging playbooks.
Property developers & investors
0%
Bridging, development finance, BTL portfolios, refurb-to-let.
HNW & family offices
0%
Structured credit, complex cases, cross-border, tax-efficient capital.
Composes well with
Stack ideas our desk has placed before.
Business Development Loans
Unsecured growth capital for hiring, marketing and expansion.
Commercial Mortgages
Owner-occupier and investment commercial property finance.
Commercial Development Finance
Industrial, logistics, retail and mixed-use development.
Business Loans
Unsecured & secured term loans from £25K – £10M.
Test the fit
Two interactive tools, no credit footprint.
Score your eligibility and model the deal economics before you ever talk to us.
Eligibility quick-check
Get an instant indication.
Five quick questions. No credit footprint. We'll show you a fit score and what to do next.
- Is the business UK-incorporated and actively trading?
- Are annual revenues £500K+ (or £100K+ MRR for SaaS)?
- 12+ months of trading history?
- Profitable, near-profitable, or strong gross margins?
- No material adverse credit on the directors?
0/5 answered
Answer to see your fit score
Scenario calculator
Model the deal.
Indicative only — final pricing reflects your actual lender quote.
Monthly
£16k
Total interest
£77k
Arrangement fee
£7.5k
Effective APR
10.00%
What happens next
Lender panel preview & document checklist.
Indicative lender match
Who we'd quote on day one.
Anonymised preview from our 90+ lender panel. Real allocations are tuned to your file.
- Clearing Bank Term DeskTier 1
Term loan / RCF
Indic. SONIA +2.5%
- Challenger Bank GSpecialist
Asset-based / Invoice
Indic. SONIA +3.5%
- Growth Debt Fund HAlt
Venture / Growth debt
Indic. 10–14% pa
- Tax-Loan Specialist ISpecialist
VAT / Corp Tax
Indic. 0.85%/mo
- Acquisition Lender JAlt
Senior + Mezz
Indic. 9.5% blended
- Embedded Capital KAlt
Revenue-based
Indic. 5–9% factor
Document checklist
What we'll need.
Indicative pack to get you a credit-quality answer in days, not weeks.
- Last 2 years filed accounts
- Latest 6 months bank statements
- Latest management accounts + cashflow forecast
- Director ID + proof of address
- Aged debtors / creditors (if invoice / ABL)
- VAT returns (last 4 quarters)
- Personal guarantees & PAL (if requested)
- Use-of-funds memo
FAQs
Frequently asked
The questions clients always ask.
Most lenders will request a director PG, often capped to a portion of the facility. Some asset-backed structures can be PG-light.
Working capital lines: 3–7 days. Term loans: 2–4 weeks. Acquisition / structured deals: 6–10 weeks subject to legals.
Pure pre-revenue is rare; we have growth-debt partners that lend against ARR / contracted revenue from £100K MRR.
Brokerage is paid by the lender on drawdown for most facilities. For acquisition / structured-debt mandates, we agree a fee in advance.
Short enquiry
Tell us about your merchant cash advance requirement.
A specialist will respond within one business hour. No credit footprint.