Top 10 UK Lenders for a £200k Merchant Cash Advance in 2026
.png)
Top 10 Lenders to Get a 200k Merchant Cash Advance
| Rank | Lender | Best for | Published loan range | Loan rate |
|---|---|---|---|---|
| 1 | Juice | Established businesses needing a high-value MCA with flexible monthly repayment terms | £50,000 to £1,000,000 | interest 1.2% to 4% monthly |
| 2 | Swiftfund | High-turnover businesses seeking a £200k advance with competitive factor rates | £5,000 to £750,000 | factor 1.3% to 1.5% monthly |
| 3 | YouLend | Businesses wanting a large MCA with low entry requirements and fast funding | £1,000 to £1,000,000 | factor 1.03% to 1.35% monthly |
| 4 | 365finance | Firms seeking a large MCA with simple annual interest rather than factor rates | £10,000 to £500,000 | interest 17% to 17% annually |
| 5 | Uncapped | Growing businesses needing a large MCA with headroom for future funding rounds | £20,000 to £2,000,000 | interest 1% to 3% monthly |
| 6 | PlayterBoost | Included for comparison; a revenue-based alternative for businesses seeking smaller advances | £30,000 to £50,000 | interest 2.5% to 4% monthly |
| 7 | Shireassetfinance | Businesses prioritising rapid funding for a large MCA with flexible eligibility | £5,000 to £750,000 | interest 4.5% to 12% monthly |
| 8 | FundingAlt | Firms preferring annual interest pricing on a large MCA from an alternative lender | Not published | interest 8% to 16.5% annually |
| 9 | Tower Leasing Ltd | Businesses wanting a £200k MCA with a transparent single factor rate structure | £5,000 to £1,000,000 | factor 1.15% to 1.15% monthly |
| 10 | liberis | Established businesses seeking a large MCA with minimal eligibility barriers and rapid funding | £1,000 to £1,000,000 | factor 1.1% to 1.5% monthly |
A merchant cash advance (MCA) is a funding agreement where a lender provides a lump sum in exchange for a fixed percentage of future card sales or daily bank receipts. For established UK businesses processing high transaction volumes, this structure aligns repayments with cash flow, making it a practical option for six-figure funding. At £200,000, an MCA can support major growth initiatives such as large-scale refurbishments, stock acquisitions, or market expansion without the rigid repayment schedules of traditional term loans.
Comparing MCA lenders at the £200,000 level requires looking beyond the headline factor rate. The total cost depends on the holdback percentage applied to daily card receipts, which determines how long the advance takes to clear. Some funders cap repayments as a share of turnover, while others set fixed daily debits, and the distinction matters for cash flow planning. At this funding level, lenders also vary in how they assess eligibility, with some relying primarily on card terminal data and others reviewing broader bank statement performance.
Important note:
Funding Agent
Published loan rangeFrom £10,000 to up to £1,000,000
Rate typeInterest from 6.8% annually
Why it is included:It is included because many business owners need to compare several finance routes before choosing where to apply.
Funding Agent can help businesses compare suitable options across a lender panel, especially when eligibility depends on turnover, sector, trading history, credit strength and available documents.
Best use case: When the borrower wants to avoid applying to one lender at a time.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Why it stands out
- Useful when a business wants to compare lender fit rather than guess which lender to apply to first.
- Can help position the application around the funding purpose, trading profile and available documents.
- Works well as a conversion route for readers who are unsure whether a direct lender will approve a larger unsecured facility.
Need to know
- Funding Agent is a broker, not a lender.
- The lender, not Funding Agent, sets the final rate, term, fees and approval decision.
- The best match may be unsecured, secured, revolving credit, invoice finance or another product depending on the case.
Expert take
Funding Agent is a useful honourable mention for business owners who want to compare lender options before submitting a full application. A larger unsecured loan is not always approved by the first lender a business finds, so understanding lender fit early can reduce wasted time and avoid unnecessary declines.
Juice
Published loan range£50,000 to £1,000,000
Rate typeinterest 1.2% to 4% monthly
Overview: Monthly interest rates from 1.2% to 4% make Juice a cost-transparent pick for businesses seeking a large merchant cash advance. Its revolving credit structure lets established card-takers draw against future sales without committing to a fixed term, keeping working capital flexible as trading conditions change.
Best next step: Compare MCA offers through Funding Agent.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Flexible revolving credit facility
- Repayments linked to card sales
- Facilities from £50,000 to £1 million
Need to know
- Costs can rise with usage
- Depends on card or revenue history
- Limits may be reviewed or withdrawn
Expert take
A high-volume MCA specialist built for businesses with strong card turnover. For a £200k advance, Juice suits established merchants who value repayment flexibility and can demonstrate consistent monthly processing volumes.
Source:https://www.getmejuice.com/
Swiftfund
Published loan range£5,000 to £750,000
Rate typefactor 1.3% to 1.5% monthly
Overview: Swiftfund structures repayments as a fixed percentage of daily card takings, so outgoings stay aligned with revenue. This makes it a practical choice for seasonal or fluctuating businesses that need a large advance without rigid monthly instalments. Factor rates run from 1.3% to 1.5% monthly.
Best next step: See if Swiftfund fits your business.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Daily repayments track your sales
- Facilities from £5,000 to £750,000
- Funding possible within 24 hours
Need to know
- Can cost more than standard loans
- Requires consistent card turnover
- Factor rates 1.3% to 1.5% monthly
Expert take
A straightforward MCA lender for card-reliant businesses wanting repayments to mirror cash flow. For a £200k advance, Swiftfund works well for firms with high monthly card volumes seeking a no-surprises repayment model.
Source:https://swiftfund.co.uk/
YouLend
Published loan range£1,000 to £1,000,000
Rate typefactor 1.03% to 1.35% monthly
Overview: With facilities spanning £1,000 to £1 million, YouLend can comfortably handle a six-figure advance while keeping factor rates competitive at 1.03% to 1.35% monthly. It is embedded into many payment platforms, making the application process notably seamless for busy merchants who want minimal paperwork.
Best next step: Explore YouLend rates for your advance.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Wide facility range up to £1 million
- Competitive factor rates available
- Integrated with major payment platforms
Need to know
- May need strong trading history
- Personal guarantee often required
- Costs still above traditional loans
Expert take
A tech-driven MCA provider embedded in popular payment ecosystems. For a £200k advance, YouLend suits established merchants wanting a fast, platform-integrated application with some of the sharper factor rates available.
Source:https://www.youlend.com/uk/
365finance
Published loan range£10,000 to £500,000
Rate typeinterest 17% to 17% annually
Overview: 365finance caters to businesses that have been trading long enough to build a solid card history, with facilities starting at £10,000 and running to £500,000. Its annual interest model at 17% offers a different cost structure from the factor-rate norm, which can simplify comparison when evaluating a large advance.
Best next step: Check 365finance eligibility for your business.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Annual interest rate structure
- Funding available within 24 hours
- Facilities from £10,000 to £500,000
Need to know
- Annual rate is fixed at 17%
- Strong card history required
- Above-standard loan costs apply
Expert take
An MCA provider using an annual interest model rather than factor rates. For a £200k advance, 365finance fits established businesses that prefer APR-style cost disclosure and can demonstrate a solid card-processing history.
Uncapped
Published loan range£20,000 to £2,000,000
Rate typeinterest 1% to 3% monthly
Overview: Funding within 24 hours and a facility ceiling of £2 million make Uncapped a standout for large advances. Monthly interest runs from 1% to 3%, and the lender's appetite for six-figure facilities means established businesses rarely hit arbitrary caps when seeking substantial working capital.
Best next step: See Uncapped offers for your advance.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Funding up to £2 million available
- Decisions and funding within 24 hours
- Monthly interest from 1% to 3%
Need to know
- Costs rise with larger advances
- Depends on trading performance
- Above traditional loan pricing
Expert take
A high-cap MCA funder with one of the largest ceilings in the market. For a £200k advance, Uncapped works for fast-growing merchants who need significant headroom and value speed alongside competitive monthly interest rates.
PlayterBoost
Published loan range£30,000 to £50,000
Rate typeinterest 2.5% to 4% monthly
Overview: A revenue-based repayment model sets PlayterBoost apart, taking a fixed share of income rather than a set daily amount. Its broader toolkit includes asset-backed and secured lending options that can sit alongside a merchant cash advance for businesses assembling a complete funding package across multiple products.
Best next step: View PlayterBoost funding options.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Revenue-based repayment model
- Funding decisions within 24 hours
- Additional secured lending available
Need to know
- Maximum facility capped at £50,000
- Not a fit for full £200k alone
- Strong trading history needed
Expert take
A revenue-based finance provider with secured and asset-backed lending options. For businesses seeking £200k total funding, PlayterBoost may complement other facilities but cannot cover the full amount through its MCA product alone.
Source:https://www.playter.co/
Shireassetfinance
Published loan range£5,000 to £750,000
Rate typeinterest 4.5% to 12% monthly
Overview: Pairing merchant cash advances with asset finance and bridging, Shireassetfinance gives businesses several routes to structure large funding. Interest runs from 4.5% to 12% monthly, and its four-hour funding speed ranks among the quickest turnarounds available for merchants who cannot afford delays.
Best next step: Review Shireassetfinance MCA terms.
More info
Company stats
Loan range
Rates and debtor rules
Benefits
- Funding in as little as 4 hours
- Facilities from £5,000 to £750,000
- Asset and bridging options available
Need to know
- Monthly rates 4.5% to 12%
- Secured options require asset checks
- Bridging focus alongside MCA
Expert take
A fast-moving MCA and asset finance lender with a notably quick four-hour turnaround. For a £200k advance, Shireassetfinance appeals to businesses needing urgent funding and holding assets or card volumes to support a larger facility.
FundingAlt
Published loan rangeNot published
Rate typeinterest 8% to 16.5% annually
Overview: By blending merchant cash advances with invoice finance, FundingAlt widens the eligibility net for B2B firms that may not depend solely on card terminals. Annual interest from 8% to 16.5% offers a cost framework some borrowers find easier to benchmark against traditional lending when evaluating a large facility.
Best next step: Explore FundingAlt for your business.
More info
Company stats
Eligibility
Rates and debtor rules
Benefits
- MCA and invoice finance combined
- Annual interest from 8% to 16.5%
- B2B-friendly eligibility model
Need to know
- Loan range not publicly listed
- Invoice quality affects eligibility
- B2B-focused, not pure card MCA
Expert take
An MCA and invoice finance hybrid suited to B2B firms with strong receivables. For businesses seeking £200k, FundingAlt's blended model may offer a route where pure card-based MCA criteria fall short.
Source:https://www.fundingalt.com/
Tower Leasing Ltd
Published loan range£5,000 to £1,000,000
Rate typefactor 1.15% to 1.15% monthly
Overview: A flat factor rate of 1.15% monthly gives Tower Leasing Ltd one of the simplest cost disclosures in the MCA market. Facilities stretch from £5,000 to £1 million, and the two-day turnaround keeps funding practical without sacrificing the pricing clarity that larger borrowers often value.
Best next step: Check Tower Leasing terms for your advance.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Simple 1.15% monthly factor rate
- Facilities up to £1 million
- Funding typically within 2 days
Need to know
- Flat rate may limit negotiation
- Asset finance focus alongside MCA
- Two-day typical turnaround time
Expert take
A leasing and MCA lender offering a single, transparent factor rate. For a £200k advance, Tower Leasing suits borrowers who value pricing certainty and can meet card-volume or asset-based eligibility thresholds.
liberis
Published loan range£1,000 to £1,000,000
Rate typefactor 1.1% to 1.5% monthly
Overview: One-hour funding puts liberis among the fastest MCA providers available. Factor rates span 1.1% to 1.5% monthly across facilities of £1,000 to £1 million, making it a viable route for established businesses that need a large advance with minimal delay and have the trading data to support rapid underwriting.
Best next step: See liberis funding options for your business.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Funding possible within 1 hour
- Factor rates from 1.1% monthly
- Facilities from £1,000 to £1 million
Need to know
- Strong card turnover essential
- Costs above traditional bank loans
- One-hour speed depends on data access
Expert take
A market-leading speed-focused MCA provider with genuinely fast turnaround. For a £200k advance, liberis suits high-volume card merchants who prioritise speed above all else and can demonstrate the trading history to support a six-figure facility.
Source:https://www.liberis.com/
MCA Loan Calculator
What lenders look for when approving a £200k merchant cash advance
For a £200,000 MCA, lenders focus on your card processing history or bank statement turnover rather than traditional credit scores. At this funding level, expect closer scrutiny of both volume and consistency.
Most providers require at least six months of trading, though YouLend, Tower Leasing Ltd, and liberis accept businesses trading from three months. Turnover thresholds vary significantly. YouLend starts from £50,000 annual turnover, Uncapped from £100,000, while Juice and Swiftfund both require £240,000 minimum turnover.
Card payment transactions are mandatory with several lenders including Swiftfund, YouLend, 365finance, Uncapped, Tower Leasing, liberis, and FundingAlt. Juice accepts bank statement turnover instead, which can suit businesses with mixed payment methods.
Personal guarantees are common at this advance level. Juice, Swiftfund, YouLend, 365finance, and Uncapped all require them. Tower Leasing and liberis do not, which may appeal to directors seeking to limit personal exposure on a six-figure facility.
Factor rates and interest rates on £200k MCAs compared
Merchant cash advances use either factor rates or interest rates. Factor rates apply a fixed multiplier to your advance, so total cost is set from day one. Interest rates charge on the reducing balance, meaning you pay less if you settle early. At £200,000, even a small rate difference can save thousands.
| Lender | Rate Type | Typical Rate Range |
|---|---|---|
| YouLend | Factor | 1.03% to 1.35% per month |
| liberis | Factor | 1.1% to 1.5% per month |
| Tower Leasing Ltd | Factor | 1.15% per month |
| Swiftfund | Factor | 1.3% to 1.5% per month |
| Uncapped | Interest | 1% to 3% per month |
Juice publishes monthly interest rates from 1.2% to 4% per month, while 365finance and FundingAlt quote annually at 17% per year and 8% to 16.5% per year respectively. Always confirm whether you are comparing a factor rate or an interest rate before choosing.
Comparing top lenders to get the best terms on a £200k advance
When comparing offers for a £200,000 MCA, look beyond the headline rate. The total repayment amount matters more than any single figure.
Start by confirming the rate type. Factor rates from Swiftfund, YouLend, liberis, and Tower Leasing lock in a fixed total cost. Interest-based advances from Juice, Uncapped, and 365finance can reduce your cost if you repay early.
Next, check personal guarantee requirements. Tower Leasing and liberis do not ask for one, which can be a deciding factor for directors wanting to ring-fence personal assets on a large advance. Most others on this list do require a guarantee at the £200k level.
Finally, compare holdback percentages. A lower holdback means less daily pressure on cash flow, though it extends the repayment period. Ask each lender what holdback they propose for a £200k advance, as this varies based on your card volumes and risk profile. Request total repayment figures in writing before committing.
How repayment works on a £200,000 merchant cash advance
MCA repayments are taken as a fixed percentage of your daily card takings, known as the holdback. This means your repayment adjusts to how well you trade, rather than demanding a fixed monthly sum.
On a £200,000 advance, a typical holdback sits between 10% and 20% of daily card revenue. If you process £3,000 in card sales with a 15% holdback, £450 goes toward repayment. On a quieter £1,500 day, only £225 is deducted.
This structure suits seasonal businesses. During busy months you repay more, and in slower periods the daily deduction drops automatically. There is no fixed standing order and no late payment penalty when sales dip.
Most lenders offer terms between three months and one year. Uncapped extends to two years, which may suit businesses wanting a lower daily deduction on a large advance. Confirm the maximum term before committing, as a longer term spreads the cost more thinly.
