FINANCE OPTIONS

MCA Loans for E-commerce Businesses: What You Need to Know

Merchant Cash Advances (MCA) offer E-commerce businesses a dynamic financing option by advancing cash against future sales. This solution, perfect for businesses experiencing fluctuating revenues, allows repayments proportional to sales volume. Leverage quick access to funds for inventory, marketing, and seasonal needs.

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
Apply Now
Cloud

We Like To Keep Things Simple

Match with
150+
Lenders
heart
Expert helpstarstar
200+ Provider
Loans from
£1000
to
£500K

zero hidden fees

underline

What are the benefits of MCA loans for E-commerce businesses?

MCA loans provide E-commerce businesses with rapid funding without the need for collateral. Benefits include flexible repayments linked to sales, swift approvals often within a day, and no fixed monthly payment schedules. These attributes make MCA loans an excellent choice for businesses with variable sales cycles.

black tick in a green circle
Quick access to funds
black tick in a green circle
Flexible repayment options
black tick in a green circle
No collateral required

What are the different types of MCA loans for E-commerce businesses?

Standard MCA

Standard MCA loans typically range from £5,000 to £200,000 with terms of 3 to 18 months, aiming at businesses with at least 6 months of trading history and £5,000 in monthly card sales.

Standard MCA

Standard MCAs leverage flexibility and speed. Loans from £5,000 to £200,000 come with factor rates between 1.1 and 1.5. Quick decisions in 1-2 days make them ideal for inventory or marketing needs, particularly for E-commerce platforms selling retail goods.

Split Funding MCA

Split Funding MCAs require integrating with a compatible payment processor. Available amounts range from £10,000 to £150,000, suitable for high card transaction businesses.

Split Funding MCA

Designed for E-commerce entities, Split Funding MCAs work seamlessly with existing processors, offering amounts between £10,000 and £150,000. With decision times of 2-3 days, these advances support infrastructure upgrades and online operational improvements.

Business Cash Advance for Online Sales

Ideal for businesses with £10,000+ in monthly e-sales, these advances offer £15,000 to £300,000 with terms from 4 to 14 months, using customised factor rates.

Business Cash Advance for Online Sales

Business Cash Advances cater to E-commerce, tech, and marketplace sellers. With swift approvals and custom rates, funds between £15,000 to £300,000 support scaling, supplier payments, and product launches.

What is an MCA loan for e-commerce businesses?

MCA Loan Application Process

Applying for an MCA involves submitting digital sales data and business details online. Approval is swift, often within one business day, with funds accessible shortly after. This process suits businesses seeking rapid, collateral-free financial assistance.

Regulatory Compliance in MCA Lending

While not FCA-regulated, MCA providers must maintain transparency in terms and fees. Compliance with UK financial practices ensures ethical operation and customer protection, which is an area where our expertise excels.

Borrowing Capacity and Rate Considerations

Borrow amounts are influenced by sales volume and credit assessments, offering between £5,000 and £300,000. Factor rates typically range from 1.1 to 1.5, with no upfront fees, reflecting our competitive offering in aligning risk with reward.

FAQ’S

How much can I borrow with an MCA loan for my E-commerce business?
How quickly can I get a decision on my MCA loan application?
What are the typical interest rates for MCA loans?
What are the eligibility requirements for obtaining an MCA loan?

DIVE DEEPER

Get Funding For your business

Generate offers
Cta image