FINANCE OPTIONS
700k MCA Loan - Apply Now for Fast Funding
A £700k MCA Loan is a short-term business loan where you borrow £700,000 and repay it through a percentage of your daily sales. It's a quick way to get cash for your business without the usual lengthy approval process. Interested in learning how this could help 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 700k MCA Loan?
A £700k Merchant Cash Advance (MCA) loan is a financial solution designed for businesses needing quick capital without the rigmarole of traditional bank loans. This type of funding allows business owners to access substantial amounts of cash based on future credit card sales, making it a practical choice for managing operational expenses, inventory purchase, or expansion opportunities. The flexible nature of the repayment terms accommodates varying cash flows, providing financial relief when it's most needed.
Quick access to funds
Flexible repayment options
No collateral required
SCALE YOUR BUSINESS TO NEW HEIGHTS
200+
Providers
Providers
What are the different types of 700k MCA Loan?
Traditional MCA Loan
A lump sum advanced based on future credit card sales, repaid via daily or weekly payments.
Split Funding MCA
A portion of each credit card sale is automatically remitted directly to the lender.
Hybrid MCA Loan
Combines features of MCAs and business loans, offering flexible repayment and sometimes lower rates.
What is a 700k MCA Loan?
What is a 700k MCA Loan?
A 700k MCA (Merchant Cash Advance) Loan is when a business receives a lump sum of $700,000 upfront in exchange for a portion of its future credit and debit card sales. It's not a traditional loan but an advance, and approval is usually based on sales volume rather than credit score or collateral.
How Repayment Works
Repayment happens daily or weekly, either as a fixed percentage of sales or through automatic bank withdrawals. The total repayment amount is set upfront using a 'factor rate' (like 1.1 or 1.2), meaning you pay back more than what you received. For example, a factor rate of 1.15 would require $805,000 to be repaid for a $700,000 advance.
Pros and Cons
Pros: Fast approval, minimal paperwork, no collateral, and flexible qualification for businesses with strong sales. Cons: High costs compared to regular loans, daily cash flow impact, no credit score improvement, and strict repayment terms even if business slows.
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
Which sectors are eligible for a £700k MCA Loan?
What card sales are needed for a £700k MCA Loan?
Is a £700k MCA Loan suitable for seasonal businesses?
Are some industries restricted from obtaining a £700k MCA Loan?
DIVE DEEPER
.png)
We Like To Keep Things Simple
Match with
150+
Lenders
Loans from
£1000
to
£1m
to
£1m
zero hidden fees
