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1m Merchant Cash Advance - Get Funding Today
A 1m Merchant Cash Advance is when a business gets £1 million upfront and agrees to repay it by giving a portion of its future sales until the total £1 million plus fees is paid back. It's a quick way to get funds without a traditional loan, and repayments adjust with how well the business sells. Interested in learning if this is right for you? Let's explore your options together!
- Fastest and easiest application process
- Dedicated support
- Loan disbursed within 24 hours
- No additional charges for early repayment
What are the benefits of 1m Merchant Cash Advance?
A £1m Merchant Cash Advance (MCA) provides businesses with a lump sum of £1 million in exchange for a percentage of future sales. This form of financing is beneficial for its ease of access, allowing businesses to obtain quick funds without the stringent requirements typical of traditional loans. The repayment is also tied to daily credit card sales, which can help businesses manage cash flow more effectively during fluctuating revenues.
Quick funding
Flexible repayment options
No collateral required
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What are the different types of 1m Merchant Cash Advance?
Split-Funding Advance
A lump-sum advance repaid through a percentage of daily credit card sales.
Holdback Percentage Advance
Advance repaid by withholding a set percentage of all receivables until the full amount plus fees is paid.
Fixed Daily Payment Advance
A lump-sum advance repaid through fixed daily or weekly ACH withdrawals from the business bank account.
What is a 1m Merchant Cash Advance?
What is a 1m Merchant Cash Advance?
A 1m Merchant Cash Advance (MCA) is a type of business financing where a company receives a lump sum of capital (such as $1 million) up front. In return, the business agrees to repay the advance plus a set fee by giving the lender a percentage of its future daily or weekly sales. This is not a traditional loan and does not require hard collateral.
How Does Repayment Work?
Repayment is tied directly to the business’s sales. Each day or week, a fixed percentage of sales (known as the holdback percentage) is automatically deducted until the total owed (the original advance plus a set fee determined by a factor rate) is fully repaid. The payment amount adjusts with sales: it’s higher on good days and lower when sales are slow.
Benefits and Drawbacks
MCAs are approved quickly, don’t need strong credit, and payments flex with business performance. However, they can be very expensive due to high fees, don’t help build business credit, and daily/weekly repayments can put strain on cash flow, especially with slow sales.
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
Can retail businesses apply for a £1m Merchant Cash Advance?
Is a £1m Merchant Cash Advance suitable for the hospitality sector?
What factors affect approval of a £1m Merchant Cash Advance for specific sectors?
Can seasonal businesses in tourism access a £1m Merchant Cash Advance?
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