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350k Merchant Cash Advance - Get Funding Now
A £350k Merchant Cash Advance is a type of funding where a business gets £350,000 upfront and pays it back using a percentage of future sales. It's a quick way to get cash without a traditional loan. Interested in learning how this could work for your business? Let's chat!
- Fastest and easiest application process
- Dedicated support
- Loan disbursed within 24 hours
- No additional charges for early repayment
What are the benefits of 350k Merchant Cash Advance?
A £350,000 Merchant Cash Advance provides businesses with an immediate influx of capital based on their future credit card sales. This solution is especially beneficial for merchants who may not qualify for traditional loans, allowing them to manage cash flow, invest in growth, or cover unexpected expenses without the lengthy approval processes associated with bank loans.
Quick access to funds
Flexible repayment options
Boosts cash flow
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What are the different types of 350k Merchant Cash Advance?
Split Payment Merchant Cash Advance
Repayment is automatically deducted as a percentage of daily credit/debit card sales.
ACH Merchant Cash Advance
Repayment is made via fixed daily or weekly withdrawals from the merchant's bank account.
Future Sales Purchase Merchant Cash Advance
The lender purchases a fixed amount of future sales in exchange for a lump sum advance.
What is a 350k Merchant Cash Advance?
What is a 350k Merchant Cash Advance?
A 350k Merchant Cash Advance (MCA) provides a business with $350,000 upfront, based on its historical debit and credit card sales. Unlike a traditional loan, it's an advance on the business's future sales, offering flexibility to businesses needing quick funding.
How Repayment Works
Repayment is made automatically by deducting a fixed percentage of the business's daily credit or debit card sales (usually 10%-20%) or through fixed daily/weekly withdrawals from the business bank account. The total repayment amount also includes a fee, typically shown as a 'factor rate' rather than an interest rate.
Different Types and Structures
There are several ways to structure a Merchant Cash Advance: (1) Split Payment MCAs deduct repayments directly as a percentage of each card sale; (2) ACH MCAs use scheduled bank account withdrawals; and (3) Future Sales Purchase MCAs involve the lender buying a fixed amount of future sales for the advance provided.
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 a hospitality business get a £350k Merchant Cash Advance?
How does repayment work for a £350k Merchant Cash Advance in retail?
Is a personal guarantee required for a £350k Merchant Cash Advance in e-commerce?
What are the minimum requirements for healthcare to access a £350k Merchant Cash Advance?
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