MERCHANT CASH ADVANCE
Funding that moves with your revenue.
A flexible alternative to a traditional business loan — designed for established businesses that take regular card payments. Repayments are linked to your sales, so you only pay more when your business earns more.
£100k+ Minimum facility
Typical rate: 1.30-1.40
Flexible — Repayments tied to revenue
OUR SOLUTIONS
Funding Solutions for Growing Businesses
Abbey Road Capital offers a range of flexible lending solutions designed to support business growth, acquisitions and strategic opportunities.
Merchant Cash Advance
Revenue-based funding designed for businesses that take regular card payments, with repayments linked to future sales.
Amount
£100,000+
Product
Term loan facility
Interest
Priced per deal
Fees
Completion fee applies
Built for businesses that run on card payments.
A Merchant Cash Advance suits businesses with consistent card transaction volumes who want flexible funding without fixed monthly repayments.
01
Seasonal Cash Flow
02
Stock & Inventory
03
Refurbishment & Fit-Out
04
Marketing & Growth
05
Staffing & Payroll
06
Unexpected Costs
From enquiry to funded.
Submit Your Enquiry
Tell us about your business and your monthly card transaction volumes. You can submit a quick application online or request a call back from one of our advisors.
Provide Some Company Information
We require some cards sales history and some information about your business.
Receive a Tailored Proposal
We structure an advance based on your actual card revenue — the amount, factor rate, and repayment split tailored to your business.
Funding Delivered
Following approval, funds are transferred to your account quickly. Repayments begin automatically as a percentage of your daily card takings.
Typical Eligibility
- UK-registered limited company (2+ years trading)
- Minimum annual turnover of £144,000 (£12,000 per month)
- Consistent monthly card payment volumes
- Business bank account in company name
- Ability to demonstrate card transaction history
- Director personal guarantee required
How much will your advance cost?
A Merchant Cash Advance works differently to a business loan. Instead of fixed monthly repayments, you repay a percentage of your card sales — so repayments flex with your revenue. Use this calculator to estimate your total cost and repayment timeline.
Instead of an APR, a Merchant Cash Advance uses a factor rate — a simple multiplier applied to your advance. A factor rate of 1.25 on a £100,000 advance means you repay £125,000 in total. Repayments are collected as a fixed percentage of your monthly card sales until the balance is cleared.
- Advance from £100,000+
- Repayments linked to your card sales — not a fixed date
- Pay more in busy months, less in quieter ones
- No fixed term — repayment period adjusts with revenue
- Suited to businesses with consistent card payment volumes
What is a Merchant Cash Advance?
A merchant cash advance (commonly known as an MCA) is a type of business funding where a company receives a lump sum of money upfront in exchange for a percentage of its future sales—usually card payments.
Hence, this type of funding is common for businesses that take regular card payments and large sales including retailers, hotels, restaurants, kitchen and bathroom businesses.
Instead of paying back fixed monthly repayments that you would expect with a business loan, the provider takes a small, agreed percentage of your daily or weekly revenue until the advance (plus fees) is repaid.
This means repayments align with your income: you pay more when sales are strong and less during slower periods.
Is a Merchant Cash Advance Right For Me?
A MCA is useful for companies with daily card sales and have an immediate cash requirement.
Companies that benefit from MCAs every day include:
Bars, Cafés, Construction, Convenience stores, E-commerce businesses, Fitness gyms, Hair salons, Healthcare clinics, Hotels, Landscaping, Nail salons, Pet services, Restaurants, Retail, Spas, Transportation businesses and Travel agencies.
What Are The Benefits?
- Flexible repayments
You repayments are based on a percentage of your sales, so you pay less during slower periods and more when business is busy. This helps ease cash flow pressure.
- Fast access to funds
Approval and funding are typically much quicker than traditional financing, especially with no security required. Abbey Road Capital can make decisions in minutes and fund advances in hours.
- Ease cash flow
Merchant cash advances are designed to help with cash flow, giving you access to money upfront which can be used for working capital, paying staff and more.
- No fixed monthly payments
Since repayments adjust with your revenue, you do not have to worry about meeting a strict monthly payment schedule, which can reduce financial stress during quieter periods and help your cash flow.
What you need to know.
Is a merchant cash advance a loan?
No, a merchant cash advance is not a traditional loan. It’s an advance against your future sales, meaning the provider purchases a portion of your expected revenue rather than lending you money with interest.
How is a merchant cash advance repaid?
Are there arrangement fees involved?
How is the repayment calculated?
What card volumes do I need to qualify?
You will need to demonstrate a consistent history of card transactions. Minimum thresholds will be confirmed during your initial conversation with our team.
How long is the term for an MCA?
There’s no fixed term in the traditional sense. Repayment continues until the agreed amount is fully paid, which usually takes between a few months and around a year, depending on your sales volume.
How long does it take to be approved and funded for an MCA?
Approval is usually quick—often within 24 to 48 hours—and funds can be received within a few days, making it one of the fastest funding options available.