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Business Loans & Working Capital

Merchant Cash Advance

An advance against your future card sales, repaid automatically as a small percentage of each transaction.

Amount
£10,000 – £500,000
Term
Flexible
Decision
Within hours
Get a quote 020 8004 9727

What is a merchant cash advance?

A merchant cash advance (MCA) is an upfront sum repaid automatically as a fixed percentage of your future card sales. When takings are high you repay more; when they dip you repay less. The cost is a fixed fee (factor rate) rather than interest, and there is no fixed monthly payment.

Last reviewed · PFC Commercial Finance

Key features

  • Repayments flex with your takings
  • No fixed monthly payment
  • Ideal for retail, hospitality and leisure
  • Fast set-up through your card terminal

How it works

Tell us about your business and what you need. Your dedicated account manager compares merchant cash advance options from across our lending panel, prepares the application on your behalf and presents a clear, no-obligation quote. There is no impact on your credit score until you choose to proceed.

Who is it for?

UK limited companies, partnerships and sole traders in almost every sector — from start-ups to established businesses, including those with a less-than-perfect credit history.

Merchant Cash Advance: common questions

Is a merchant cash advance a loan?

Not in the traditional sense. Most providers structure it as a purchase of your future card receivables, which is why it has no fixed term or interest rate. MCAs are generally not regulated by the FCA.

What is a factor rate?

The multiplier that sets the total you repay. For example, a £50,000 advance at a 1.2 factor rate means repaying £60,000 in total through your card sales.

Who is a merchant cash advance suitable for?

Businesses that take regular card payments — retailers, restaurants, pubs, salons, gyms and leisure venues — typically with several months of consistent card turnover.

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36 months
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Figures are illustrative only and are not a quote or an offer of finance. Actual rates depend on your circumstances, the lender and the product. Finance is subject to status and available to UK businesses only.

Business Loans & Working Capital

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