FINANCE OPTIONS
100k Merchant Cash Advance – Apply Now
A £100k Merchant Cash Advance is a quick way for businesses to get £100,000 upfront by promising to pay it back through a percentage of their daily sales. It's simple and flexible, making it a good option if you need cash fast. Interested in learning if this could work for your business? Just ask!
- Fastest and easiest application process
- Dedicated support
- Loan disbursed within 24 hours
- No additional charges for early repayment
What are the benefits of 100k Merchant Cash Advance?
A £100k Merchant Cash Advance provides businesses with immediate cash flow, enabling them to address urgent financial needs without traditional loan constraints. This alternative financing option is based on future credit card sales, allowing for easier approval processes and faster access to funds. It is particularly beneficial for businesses experiencing seasonal fluctuations or unexpected expenses, as repayments fluctuate with sales, offering a manageable way to handle cash flow challenges.
Quick access to funds
Flexible repayment options
No collateral required
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What are the different types of 100k Merchant Cash Advance?
Split-Funding Merchant Cash Advance
Repayments are automatically split at the credit card processor before reaching your business.
Lockbox Merchant Cash Advance
Payments go into a lockbox account; the lender takes their share before sending the rest to you.
ACH Merchant Cash Advance
Fixed daily or weekly payments are taken via Automated Clearing House (ACH) from your business bank account.
What is a 100k Merchant Cash Advance?
How It Works
A $100k Merchant Cash Advance (MCA) is not a traditional loan, but a way to get a lump sum of cash quickly by selling a portion of your future credit card sales. You receive the money upfront and repay a fixed percentage of your daily credit card receipts until the agreed amount is paid back. Repayment speed depends on your daily sales volume.
Repayment Structure
Repayment is calculated using a 'factor rate' (such as 1.3), which means if you get $100,000, you must repay $130,000. A set percentage (often 10-20%) of your daily sales is withheld, and the total payment amount does not decrease if you repay early. This makes MCAs a flexible but often expensive form of financing.
Typical Use Cases
A $100k MCA is often used to bridge short-term cash flow gaps, buy inventory, cover urgent expenses, or take advantage of time-sensitive business opportunities. It's best suited for businesses with strong credit card sales that need fast access to working capital.
Real Scenarios
Construction Company Needing Fast Working Capital
Situation
A construction firm had a short-term cash gap before a large invoice was paid and needed £85,000 to cover materials and payroll.
Challenge
Traditional bank applications were too slow; they needed a decision and funds within days.
Outcome
Funding Agent matched them with a lender; they received a working capital facility and bridged the gap until the invoice was paid.
Ecommerce Business Preparing for Peak Season
Situation
An online retailer needed around £120,000 to stock up ahead of Black Friday and the Christmas rush.
Challenge
They wanted flexible terms and a quick turnaround so stock could be ordered in time.
Outcome
Through Funding Agent they secured a facility, placed orders in time and managed peak demand without cash flow stress.
Marketing Agency Using Invoice Finance
Situation
A marketing agency had strong clients and reliable invoices but often waited 60–90 days for payment.
Challenge
They needed to unlock cash tied up in unpaid invoices to pay staff and take on new projects.
Outcome
Funding Agent connected them with an invoice finance provider; they now access funds against approved invoices and smooth out cash flow.
Property Developer Using Bridging Finance
Situation
A developer needed short-term finance to complete a purchase before selling an existing property.
Challenge
They required a fast decision and flexible terms to align with the sale timeline.
Outcome
Funding Agent matched them with a bridging lender; they completed the purchase and repaid the facility when the sale completed.
FAQ’S
How does a £100k Merchant Cash Advance work for restaurants?
Who is eligible for a £100k Merchant Cash Advance in retail?
Can a £100k Merchant Cash Advance assist dentists with equipment purchases?
Are pubs with seasonal trade suited for a £100k Merchant Cash Advance?
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