Merchant Cash Advance Combined
Quick access to funds without requiring collateral or a fixed repayment schedule
Merchant Cash Advance – For fluctuating or seasonal revenue
A Merchant Cash Advance (MCA) is a financial solution perfectly suited for businesses with fluctuating or seasonal revenue. It provides a lump sum upfront in exchange for a percentage of daily card sales, along with a fee.
Flexible Repayment
Based on Revenue
Quick and Collateral-Free
Access to Funds
Popularity
in Specific Sectors
The Process
1
Enquiry
Complete the form in 60 seconds
2
Speak to an Expert
An expert will call you within 1 working day of your enquiry
3
Apply and Approval
We support you through the application process
4
Funding
Typically in your bank within hours of approval
Why Use Merchant Cash Advance Loans
A Merchant Cash Advance (MCA) is an innovative financial solution perfectly suited for businesses with fluctuating or seasonal revenue. It provides a lump sum upfront in exchange for a percentage of daily credit card sales, along with a fee.
Unlike traditional loans, MCAs offer quick access to funds without requiring collateral or a fixed repayment schedule. Repayments are automatically deducted from daily credit card sales until the agreed-upon amount, including fees, is fully repaid. This makes MCAs ideal for businesses needing rapid and flexible capital to address immediate financial needs or seize growth opportunities.
MCAs leverage your card terminal and its receipts to secure funding, making them particularly popular in retail, restaurants, and general leisure sectors. Repayments are proportional to revenue, where a percentage of customer card payments goes towards settling the loan. The repayment terms are agreed upon with the lender and seamlessly integrated into your daily operations. The more you sell, the faster you clear your loan, facilitating business growth and financial stability.
Businesses using credit card terminals find Merchant Cash Advances easier to obtain than other financing options. They are especially beneficial for enterprises with limited assets or a lower credit score seeking funds for expansion.
The Perfect Finance Match
What we do
At Match Finance, we specialise in sourcing funding solutions tailored to meet your specific business needs, such as merchant cash advance loans. Our whole-of-market panel ensures that we can offer you a comprehensive range of options, guaranteeing that you receive the most suitable financial solutions.
Now more than ever, we understand the critical importance of SMEs accessing the right funding. With a deep-rooted passion for seeing businesses prosper and grow, we are committed to supporting your journey towards success.
Our customer-centric approach sets us apart. We aim to build lasting partnerships by consistently delivering the right funding solutions that enable you to focus on expanding your business operations.
When you partner with us, you’ll benefit from a dedicated Relationship Manager who will work closely with you to understand your unique requirements and guide you through the process of obtaining and making the most of your merchant cash advance loan. Trust us to be your trusted ally in achieving your business goals.
Why Choose Match Finance for Your Merchant Cash Advance
Industry Leaders
One of the UK’s top independent brokers for merchant cash advances, with strong lender relationships
Technology Driven
Advanced matching technology that quickly identifies the most suitable MCA providers for your business profile
High Success Rate
Outstanding track record of securing merchant cash advance approvals, even for challenging cases
FAQs on Merchant Cash Advance (MCA)
Need quick funding that adapts to your business rhythm? A Merchant Cash Advance provides an upfront lump sum in exchange for a percentage of your daily card sales. Unlike traditional loans, it’s specifically designed for businesses with varying revenue patterns, making it an ideal solution when conventional financing doesn’t quite fit your needs.
Forget rigid monthly payments. With an MCA, repayments automatically adjust to your daily card sales. A small percentage of each transaction goes toward repaying your advance. During busy periods, you’ll repay more; during quieter times, you’ll repay less. It’s a natural alignment with your business’s actual performance.
Here’s the good news – MCAs don’t require traditional collateral. Your regular card transactions are all you need. This makes them particularly accessible for businesses that might struggle to secure conventional loans, especially if you lack substantial physical assets but maintain steady card sales.
MCAs make sense when you need capital quickly and traditional financing isn’t ideal. Perfect for retail, hospitality, and seasonal businesses where revenue fluctuates throughout the year. While they typically cost more than traditional loans, the flexible repayment structure can outweigh the higher cost, especially if you’re using the funds to fuel growth or manage seasonal demands.
Consider an MCA if your business regularly processes card payments and experiences variable revenue. This solution works particularly well for retail establishments, restaurants, and leisure businesses. While traditional lenders might see seasonal fluctuations as a red flag, MCA providers understand these patterns and structure funding accordingly.
Speed is one of the key advantages of MCAs. The process starts with a 60-second enquiry form, followed by expert consultation within one working day. Once approved, funding typically arrives within hours. This rapid turnaround makes MCAs invaluable when you need to act quickly on business opportunities.
MCAs offer distinct benefits over traditional loans. The revenue-based repayment structure eliminates the stress of fixed monthly payments. No collateral requirements, faster approval processes, and immediate access to funds make them particularly valuable for businesses that need flexibility. The seamless integration with your existing card processing means minimal operational changes.
Let’s be direct – MCAs typically cost more than traditional loans. However, the higher cost comes with benefits: flexible repayments, no collateral requirements, and quick access to funds. Consider the total cost against the advantages of having capital when you need it and repayment terms that match your business cycles.
MCAs generally don’t appear on credit reports since they’re technically a purchase of future sales rather than a loan. However, defaulting on the agreement could impact your business credit through other channels. Understanding the terms and ensuring the repayment percentage aligns with your cash flow is crucial for successful funding.
Your qualification amount directly relates to your average monthly card sales. Providers typically review 3-6 months of transaction history to determine an appropriate advance amount. This approach ensures the funding and repayment structure aligns with your actual business performance, creating a sustainable financing solution.