FINANCE OPTIONS

Understanding MCA Loans: What You Need to Know

MCA (Merchant Cash Advance) loans are innovative financial solutions designed for UK businesses that rely on credit and debit card sales. By leveraging future sales, companies receive upfront cash, making it ideal for sectors like retail and hospitality. This flexible approach, with repayments tied to sales volume, ensures cash flow remains uninterrupted.

Secure up to £500,000 in MCA Loans with Funding Agent.

  • Quick and easy application process
  • Loan disbursed within 24 hours
  • No additional charges for early repayment
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What are the Benefits of MCA Loans?

MCA Loans offer rapid access to funds with repayments aligned with your business's performance, eliminating fixed monthly payments. Businesses can obtain amounts ranging from £5,000 to £1,000,000, often receiving an initial decision within 1 to 5 days. Typical factor rates range from 1.1 to 1.6, manageable compared to traditional loans.

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Fast funding process
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Flexible repayment terms
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No collateral required

Different Types of MCA Loans

Standard Merchant Cash Advance

Businesses trading for over 6 months, with card sales above £5,000 monthly, can secure £5,000 to £300,000 over 6 to 12 months.

Standard Merchant Cash Advance

Standard Merchant Cash Advances are ideal for retail shops and restaurants, offering flexible repayments based on daily sales. With factor rates from 1.1 to 1.5, funds for stock purchases and renovations are accessible swiftly, typically within 48 hours of approval.

Split Funding MCA

Suited for businesses integrating POS systems, this option provides £10,000 to £500,000 over 9 to 15 months.

Split Funding MCA

Perfect for expanding sectors like hospitality, Split Funding MCAs automate payments via POS integration. With factor rates between 1.2 and 1.6, they facilitate payroll during lull periods and launch new product lines swiftly, generally approved within a week.

Variable Advance MCA

Large-scale enterprises with strong card transaction histories can access £25,000 to £1,000,000 over 12 to 24 months.

Variable Advance MCA

Variable Advance MCAs cater to high-growth industries like manufacturing, providing significant capital for comprehensive overhauls. With repayment variability from 15% to 60%, and a 10-day decision timeline, they are tailored for strategic business transformations.

What are MCA Loans?

Streamlined Applications

Our MCA loan application is straightforward: a simple online form, recent bank statements, or card transaction data are required, ensuring a quick initial decision between 1 to 5 days.

Ethical Lending Standards

Although MCA loans aren't FCA-regulated, we adhere to ethical lending practices, ensuring transparency and fairness. We specialise in providing compliant and secure MCA funding solutions.

Maximising Your Borrowing Power

Your borrowing capacity, reaching up to £1,000,000, depends on monthly card sales, industry risk, and financial health, secured with competitive rates from 1.1 to 1.6. We provide tailored options to suit diverse business needs.

FAQ’S

How much can I borrow with an MCA Loan?
How quickly can I get a decision on an MCA Loan application?
What are the typical rates for MCA Loans?
What are the eligibility criteria for Merchant Cash Advances?

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