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Merchant Cash Advance
An advance against your future debit/credit card sales — funded fast, with repayment automatically deducted as a percentage of daily or weekly sales.
An advance against your future card takings, repaid as a slice of each day's card sales.
Apply NowWho it's for
Card-heavy businesses — shops, restaurants, salons — that need money fast and cannot meet standard lending criteria.
How it works
- 1The provider looks at your card processing history.
- 2You receive a lump sum, often within a day or two.
- 3A fixed percentage of every day's card sales is taken automatically.
- 4It continues until the agreed total is repaid.
What to watch out for
This is normally the most expensive money on this page, and taking a second advance on top of a first is how businesses get into serious trouble. Come and talk to us before stacking one — restructuring is often possible.
At a glance
- ●Fast approval and funding
- ●Repayment tied to daily or weekly card sales
- ●Based on sales volume more than credit score
- ●Best for businesses with steady card transactions
Common questions
Is this a loan?
Technically no — it is a purchase of future receivables, which is why it is not always regulated like a loan. That distinction matters, so read the agreement carefully.
I already have one and I am struggling.
That is common and fixable. See MCA Debt Restructuring — the aim is to replace daily payments with something survivable.