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^Merchant Cash Advance for Sole Traders – Get Funding Now

Q: How much can I borrow with a Merchant Cash Advance?

You can typically borrow between £3,000 and £200,000, depending on your monthly card sales, how long you have been trading, and the consistency of your business takings. Larger advances may be available for businesses with strong sales records.

Q: How quickly are funds received after approval?

Once approved, funds are usually available within up to five business days. The speed depends on having complete and accurate application details and how quickly your transaction data can be assessed by the lender.

Q: What are the typical costs or rates for a Merchant Cash Advance?

Factor rates usually range from 1.2 to 1.6, depending on your sales volumes and trading history. Additional lender-specific fees, such as processing or early repayment charges, may also apply, so review all terms carefully.

Q: Are sole traders with poor credit eligible for a Merchant Cash Advance?

Yes, MCAs are available to sole traders with bad credit if they can demonstrate regular card sales. There are specific bad credit MCA options, but these often have higher factor rates to reflect increased lender risk.

A Merchant Cash Advance for sole traders is a quick and flexible way to raise funds using future card sales. This form of business finance provides an advance that is repaid via a fixed percentage of your daily debit and credit card transactions, linking repayments directly with your takings. Many sole traders opt for a Merchant Cash Advance when they want adaptable repayments, quick access to capital, and eligibility without traditional credit checks. The flexible nature of this product means repayment levels rise and fall as your income does, making it highly suitable for fluctuating trading patterns.

Merchant Cash Advance

Secure up to £1,000,000 in Merchant Cash Advance with Funding Agent.

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Loan disbursed within 24 hours
No additional charges for early repayment

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Key ^Benefits of Merchant Cash Advances

Merchant Cash Advances offer practical funding for UK sole traders by linking repayments to your sales, rather than imposing fixed monthly payments. With decisions and access to funds possible within a week, plus no hard credit checks, MCAs suit many business models. Here are the leading benefits:

Quick access to funds

Flexible repayment options

No credit checks required

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Merchant Cash Advance for Sole Traders

Standard Merchant Cash Advance

Designed for sole traders with established card sales, offering amounts between £3,000 and £200,000. Repayments are a set percentage of your card transactions, making it ideal for stable businesses with reliable sales activity.

Standard Merchant Cash Advance

Standard Merchant Cash Advances suit sole traders who have traded for at least six months and maintain consistent card sales. Funds between £3,000 and £200,000 are available for terms of three to eighteen months, with factor rates typically from 1.2 to 1.5. Approval is generally within two to five business days, and repayments align directly with your daily takings. This subtype suits retailers, hospitality, and online businesses relying on regular card income.

Bad Credit Merchant Cash Advance

Available to sole traders facing credit challenges, this option focuses on your card sales track record rather than your credit score, with advances up to £50,000.

Bad Credit Merchant Cash Advance

Bad Credit Merchant Cash Advances are accessible even if your credit history is less than perfect—as long as you can prove steady card sales. Advances from £3,000 to £50,000 are offered for six to twelve months, usually at higher factor rates from 1.4 to 1.6 to account for increased risk. This route helps businesses invest in improvements without personal credit risk, and is popular among small service businesses and cafés with variable takings.

Flexible Merchant Cash Advance

Best for event-based or seasonal businesses, this advance customises repayments to match income peaks and troughs, with maximum flexibility in daily collection amounts.

Flexible Merchant Cash Advance

Flexible Merchant Cash Advances provide tailored repayment schedules for sole traders whose sales volumes can vary significantly. Borrow between £5,000 and £150,000 over three to twelve months, with typical factor rates from 1.25 to 1.5. Repayment amounts adjust daily in line with your business activity, ideal for event-driven or seasonal traders requiring cash flow agility and variable monthly repayments.

Typical Funding Journeys on Funding Agent

Submit your funding request

Our platform enriches your application using business data

Your request is matched to suitable lenders

Receive offers and proceed with the best option

How to Access a Merchant Cash Advance

Complete Online Form

Enter your business details and recent card transaction data using the online application form to start your search. This takes just a few minutes and helps identify your eligibility for multiple offers.

Compare Offers

We present a range of tailored Merchant Cash Advance offers from our lender panel, so you can review rates, terms, and flexibility in one place before making a choice.

Receive Funds

Once you've selected your preferred offer, your chosen lender will transfer funds to your account, often within five business days, allowing you to act quickly on business opportunities.

Get Funding For your business

Generate offers

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 much can I borrow with a Merchant Cash Advance?

How quickly are funds received after approval?

What are the typical costs or rates for a Merchant Cash Advance?

Are sole traders with poor credit eligible for a Merchant Cash Advance?

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^Merchant Cash Advance for Sole Traders – Get Funding Now

Key ^Benefits of Merchant Cash Advances

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Merchant Cash Advance for Sole Traders

Standard Merchant Cash Advance

Standard Merchant Cash Advance

Bad Credit Merchant Cash Advance

Bad Credit Merchant Cash Advance

Flexible Merchant Cash Advance

Flexible Merchant Cash Advance

Typical Funding Journeys on Funding Agent