Merchant Cash Advance

Funding solutions for SMEs

Merchant Cash Advance

A Merchant Cash Advance can be an ideal solution for any business with a fluctuating cash flow. Repayments are calculated using your monthly credit card transactions. This product works particularly well for shops, restaurants and other B2C businesses which may have fluctuating or seasonal cash flow variations.

With a Merchant Cash Advance you only repay when you trade – if business is slow, you pay less. The total repayable is fixed. Whether you repay in 1 or 18 months, the total repayable agreed on will remain the same.

The loan amount and the repayment amount are determined based on your business card transactions. This is worked out using the factor rate which is subject to underwriting.

What is the advantage of a Merchant Cash Advance?

  • No fixed repayment periods
  • Improved cash flow
  • You only pay as you trade; when the business is quiet, you pay less
  • Top-ups available after 4 months
  • No collections from cash payments
  • Automated process with no manual payments from the customer
  • We can work with all card terminal acquirers

Does Your Company Qualify?

Merchant Cash Advances are availably to all UK based limited companies, sole traders and partnerships. Terms and conditions are subject to qualifying criteria and clear credit searches on the company and its Directors.

You will need to meet the following criteria:

  • Minimum turnover of £5,000 per month through card terminals
  • Minimum of 6 months trading through PDQ machine
  • No other Cash Advance in place

At SME funding UK our processes are both straightforward and customer-focused. Please contact us for more information.

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    SME funding UK Ltd is Authorised and Regulated by the Financial Conduct Authority – FRN: 772970

    We are a Member of the National Association of Finance Brokers (M/0122/16)

    We are also registered with the Information Commissioner’s Office (ZA209808)

    Please note SME funding UK Ltd are brokers and not a direct lender.