FINANCE OPTIONS
900k Merchant Cash Advance – Apply Now
A £900k Merchant Cash Advance is a type of funding where a business gets £900,000 upfront and pays it back gradually through a percentage of their daily sales. It's a quick way to access money without a traditional loan. If you're interested in flexible funding options, feel free to ask for more details!
- Fastest and easiest application process
- Dedicated support
- Loan disbursed within 24 hours
- No additional charges for early repayment
What are the benefits of 900k Merchant Cash Advance?
A £900k Merchant Cash Advance (MCA) provides businesses with immediate access to capital based on future credit card sales. This option is particularly beneficial for businesses that may not qualify for traditional loans. With a MCA, cash flow can be improved quickly, allowing for operational flexibility and growth opportunities without the burdens of conventional financing requirements.
Quick access to funds
Flexible repayment options
No collateral required
SCALE YOUR BUSINESS TO NEW HEIGHTS
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What are the different types of 900k Merchant Cash Advance?
Traditional Split Percentage MCA
A lender takes a fixed percentage of daily credit card sales until the $900k advance plus fees is repaid.
Fixed Daily/Weekly Withdrawal MCA
A set amount is withdrawn daily or weekly from the business bank account until the $900k is repaid.
Future Receivables Purchase MCA
The lender purchases $900k worth of future receivables at a discount, collecting until paid in full.
What is a 900k Merchant Cash Advance?
How a 900k Merchant Cash Advance Works
A $900,000 Merchant Cash Advance (MCA) provides a business with a lump sum in exchange for a share of its future sales. The lender automatically takes a fixed percentage from daily or weekly credit card or debit card transactions, making repayment flexible based on sales volume.
Types and Repayment Structure
There are different ways to repay a $900k MCA: the lender might take a proportion of daily credit card sales (traditional split), withdraw a fixed amount from the business bank account each day or week, or purchase $900k worth of future sales at a discount and collect payments until the total is repaid. MCAs do not use fixed monthly payments or traditional interest rates. Instead, a 'factor rate' determines the total repayment owed.
Eligibility and Costs
MCAs are easier to qualify for—businesses mainly need steady credit card revenue, rather than excellent credit scores. However, MCAs usually have higher costs than traditional loans, using factor rates (often 1.1–1.5), so the total amount repaid is significantly more than $900k. They’re best for short-term cash flow needs, but not for long-term or low-cost financing.
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
What is a 900k Merchant Cash Advance in retail?
How do repayments work for a 900k Merchant Cash Advance in hospitality?
Can a salon qualify for a 900k Merchant Cash Advance?
What are the main benefits of a 900k Merchant Cash Advance for seasonal businesses?
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