FINANCE OPTIONS
800k Merchant Cash Advance - Get Funding Now
A £800k Merchant Cash Advance is a way for businesses to get £800,000 quickly by borrowing money against their future sales. It’s a flexible option that helps you manage cash flow without the hassle of traditional loans. Interested in learning if this could work for you? 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 800k Merchant Cash Advance?
An £800k Merchant Cash Advance provides businesses with immediate access to substantial funds, leveraging future credit card sales as repayment. This form of financing is particularly helpful for businesses needing quick capital for growth or unexpected expenses without the stringent requirements of traditional loans.
Quick access to funds
Flexible repayment options
No collateral needed
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What are the different types of 800k Merchant Cash Advance?
Split Funding Merchant Cash Advance
Funds are repaid by automatically splitting a percentage of daily credit/debit card sales.
Lockbox Merchant Cash Advance
Repayments are made by diverting all business revenue to a lockbox account, from which the lender collects its portion.
ACH Merchant Cash Advance
Repayments are made through fixed daily or weekly ACH withdrawals from the business bank account.
What is an 800k Merchant Cash Advance?
What is an 800k Merchant Cash Advance?
An 800k Merchant Cash Advance (MCA) is a form of business financing where a business receives a lump sum—up to $800,000 or more—in exchange for a percentage of its future daily credit card or debit sales. This is used by businesses that need quick access to large amounts of working capital and is repaid automatically through a portion of their future sales.
How Repayment Works
Repayment is made by automatically deducting a set percentage of daily sales using methods such as split funding (where the payment processor automatically splits sales between your company and the lender), lockbox (sales first go to an account, lender takes their share, then business receives the rest), or ACH transfers (a set amount is withdrawn directly from your bank account each day). Repayments adjust up or down based on sales volume, making payments flexible but frequent.
Key Features and Requirements
Merchant Cash Advances have flexible approval criteria—typically requiring a minimum credit score, a set amount of monthly sales, and several months of business history. Factor rates (not interest rates) determine the total repayment amount, and terms usually range from 3–24 months. While funding can be extremely quick, costs are higher than traditional loans and frequent payments may impact daily cash flow. Early payoff usually offers no cost savings.
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 can a retail business use an £800k Merchant Cash Advance?
Can a restaurant qualify for an £800k Merchant Cash Advance?
What documents do hotels need for an £800k Merchant Cash Advance?
Is a Merchant Cash Advance suitable for construction firms seeking £800k?
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