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Home Business Finance Merchant Cash Advance

Merchant Cash Advance

Unlock fast, flexible funding based on your card sales. A Merchant Cash Advance (MCA) gives your business quick access to capital, repaid as a percentage of your daily card takings.

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No Obligation Enquiry

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Tailored Broker Support

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Wide Panel of Lenders

Key Takeaways

We know you’re busy, so we’ve put an overview together for you

  • Access funding based on your card sales turnover
  • Repay automatically as a % of daily card transactions
  • No fixed monthly repayments or APR
  • Ideal for seasonal or fluctuating revenue

How Does Merchant Cash Advance Work?

Let's take a look at how Merchant Cash Advance (MCA) works step by step

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Apply Based on Card Sales

We assess your average monthly card turnover rather than focusing solely on profit or assets, making it accessible for early-stage businesses as well as more established ones with strong, consistent card sales.

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Receive Your Funding

You receive an upfront lump sum, typically calculated as a multiple of your monthly card revenue, to use for stock, refurbishment, marketing or working capital.

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Repay As You Trade

Repayments are taken automatically as an agreed percentage of your daily card transactions, so you pay more when sales are high and less during quieter periods.

Is Merchant Cash Advance Right for You?

A Merchant Cash Advance can be a smart solution for businesses that take regular card payments and need quick access to working capital without committing to fixed monthly repayments. It’s particularly useful for retail, hospitality and service-based businesses with seasonal or fluctuating income.

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MCA might be right for you if...

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You take consistent debit and credit card payments

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You need fast funding without fixed monthly repayments

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Your revenue fluctuates seasonally

MCA might not be right for you if...

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You don’t accept card payments

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You prefer fixed monthly repayment structures

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You’re looking for a long-term, low-cost loan option

Charles & Dean does not provide financial advice. Please consult your accountant or financial adviser before making a decision.

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Our Funding Process

  • 1

    Discuss Your Funding Requirements

    Talk to one of our Finance Specialists to help us better understand your goals.

  • 2

    Receive a Solution

    Choose a bespoke funding solution proposed by our team and send over the required documents for our lenders.

  • 3

    Get Your Funding

    Once your finance is approved, we work with you and the lender to ensure you can access your funds as soon as possible.

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What To Do Next

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Get a Quote

Fill in the form at the top of the page and one of our team will call you back in as little as 10 minutes to discuss your quote.

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Call Us Now

Our Finance Specialists are available and happy to help you 9am-5:30pm Monday to Friday.

01780 763836
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Read Our FAQs

Still have questions about Merchant Cash Advance? We may have the answer within our FAQs.

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Why Use Charles & Dean?

Why should you choose us to help with Merchant Cash Advance (MCA)

Why Us 1

Tailored Funding Solutions

We take the time to understand your business model, ensuring the structure and repayment percentage align with your cash flow.

Why Us 2

Fast, Personal Service

Our experienced team understands the urgency of working capital and works quickly to secure approvals and release funds without delay.

Why Us 3

Broad Lender Panel

We work with a wide panel of UK lenders to source competitive Merchant Cash Advance solutions tailored to your turnover and sector.

Our FAQs

Common questions about Merchant Cash Advance answered. If you have a question and you can’t see it listed, please call us on 01780 763836 and one of our team will be able to help you.

Who is eligible for a Merchant Cash Advance?

Any business with a card machine can be eligible. Typically, lenders look for businesses processing £5,000 or more in card sales per month and trading for at least 3 months.

How much can I borrow with a Merchant Cash Advance?

Funding is typically based on your average monthly card turnover. Businesses can normally borrow between 1-3 x their monthly card revenue, subject to sales volume and lender criteria.

How are repayments calculated?

Repayments are taken as a fixed percentage of your daily card transactions, meaning payments rise and fall in line with your sales.

Is a Merchant Cash Advance a loan?

No, it’s technically an advance against future card sales rather than a traditional loan, so it doesn’t usually carry an APR like standard lending products.

How quickly can I receive funds?

In many cases, funds can be released within a few days of approval, subject to underwriting and receipt of required documentation.

Will it affect my credit score?

Lenders may carry out credit checks, but approval is heavily based on your card sales performance rather than solely on your credit profile.