Merchant Cash Advance
Get a merchant cash advance through Funding Agent and turn your card sales into fast, flexible funding. We match your profile to trusted UK providers, so you receive a clear offer, a fixed total to repay via factor rate, and repayments that move with your takings. No long forms, quick decisions, and support from a specialist when you need it. Start your eligibility check in 60 seconds.
- Quick and easy application process
- Loan disbursed within 24 hours
- No additional charges for early repayment
We Like To Keep Things Simple
to
£500K
zero hidden fees
What is a merchant cash advance?
A merchant cash advance is financing that gives your business a lump sum now, then collects repayment as a fixed percentage of your card sales until a pre-agreed total is repaid. Instead of interest, pricing is set by a factor rate that determines the total you will repay. Because repayments rise and fall with your takings, MCAs can suit card-taking businesses that want speed, simple pricing, and flexibility during quieter trading periods.
How a Merchant Cash Advance Helps Your Business
A merchant cash advance provides fast working capital that moves in step with your takings. You receive a lump sum upfront, then repay as a fixed share of card sales until a pre-agreed total is cleared. This keeps cash flow steady during quieter periods and speeds up growth when trade is strong.
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How a Merchant Cash Advance Works
With a merchant cash advance, your repayments are directly linked to your card sales. If your sales dip, your payments dip too. Here is how it works with Funding Agent:
Merchant cash advance pros and cons
Pros of a Merchant Cash Advance
Cons of a Merchant Cash Advance
- Higher total cost vs many loans: on an equivalent APR basis it can be pricier.
- Amount limited by card sales: advances are sized against recent takings, so caps can feel tight.
- Daily or near-daily collections: constant deductions can be tricky if margins are thin.
- Not a fit for cash or invoice-heavy firms: works best where card revenue is consistent.
- Less standardisation across providers: factor rates, holdback percentages, and terms vary, so comparisons matter.
