Top 200k Merchant Cash Advance Lenders in the UK for 2026
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Top Lenders for a £200k Merchant Cash Advance
| Rank | Lender | Best for | Published loan range | Loan rate |
|---|---|---|---|---|
| 1 | Juice | Large £200k+ advances with low interest rates from 1.2% | £50,000 to £1,000,000 | interest 1.2% to 4% |
| 2 | Swiftfund | Transparent factor-rate pricing on advances up to £750,000 | £5,000 to £750,000 | factor 1.3% to 1.5% |
| 3 | 365finance | Established businesses needing fixed-rate MCA funding at £200k level | £10,000 to £500,000 | interest 17% to 17% |
| 4 | YouLend | Competitive factor rates from 1.03% on six-figure cash advances | £1,000 to £1,000,000 | factor 1.03% to 1.35% |
| 5 | Uncapped | High-revenue businesses seeking MCA funding up to £2 million | £20,000 to £2,000,000 | interest 1% to 3% |
| 6 | Shire Leasing | Comparing interest-based MCA options for a £200k advance | £5,000 to £750,000 | interest 4% to 11% |
| 7 | Shireassetfinance | Fast 4-hour decisions on advances up to £750,000 | £5,000 to £750,000 | interest 4.5% to 12% |
| 8 | FundingAlt | Included for comparison at the £200k funding level | Not published | interest 8% to 16.5% |
| 9 | Tower Leasing Ltd | Straightforward single factor rate of 1.15% on large advances | £5,000 to £1,000,000 | factor 1.15% to 1.15% |
| 10 | liberis | Urgent £200k funding with decisions in as little as 1 hour | £1,000 to £1,000,000 | factor 1.1% to 1.5% |
A £200k merchant cash advance gives established businesses a way to unlock working capital by borrowing against future card sales. For businesses processing strong monthly card payments, this amount sits in a sweet spot – large enough to fund serious growth but still within reach for many mid-market operators. Comparing the top lenders at this level matters because rates, repayment structures and eligibility vary widely.
When comparing MCA providers for a £200,000 advance, look beyond the headline rate. Some lenders use factor rates while others charge simple interest, and the difference can be thousands of pounds. Funding speed, published loan ranges, and whether the lender can accommodate your monthly card turnover all determine which option suits your business best.
Please note: Funding Agent is a commercial finance broker, not a direct lender. The lenders listed are for comparison purposes and may not all be accessible through our panel. Terms, rates and eligibility criteria vary by lender.
Funding Agent
Published loan rangeFrom £10,000 to up to £1,000,000
Rate typeInterest or factor rate
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%
Overview: Juice offers a merchant cash advance from £50,000 to £1,000,000, making it a natural fit for businesses seeking a £200k advance against future card takings. Repayments flex with your sales rather than following a fixed monthly schedule.
Funding is typically available within 24 hours once approved. With interest rates between 1.2% and 4%, Juice's revolving credit structure can support seasonal or repeat working capital needs alongside the initial £200k facility.
Best next step: Check eligibility for a £200k advance with Juice
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Large advances up to £1,000,000
- Repayments flex with card sales
- Repeat funding for seasonal needs
Need to know
- Strong card sales required for £200k
- Costs can rise with repeat usage
- Facility may be reviewed or withdrawn
Expert take
Juice is a solid first look for a £200k MCA. Its upper limit exceeds your target and the revolving structure suits businesses with steady card income that need ongoing flexibility.
Source:https://www.getmejuice.com/
Swiftfund
Published loan range£5,000 to £750,000
Rate typefactor 1.3% to 1.5%
Overview: Swiftfund provides merchant cash advances from £5,000 to £750,000, comfortably covering the £200k mark. Repayments are taken as an agreed percentage of daily card sales, so your outgoings track your trading performance.
With a factor rate between 1.3% and 1.5% and funding in 24 hours, Swiftfund works well for established businesses needing a six-figure cash injection. Strong, consistent card terminal history will be key to unlocking the full £200k.
Best next step: Explore a £200k MCA through Swiftfund
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Covers advances up to £750,000
- Daily card-based repayments
- Funding possible within 24 hours
Need to know
- Factor rates sit between 1.3 and 1.5
- Depends on card terminal history
- More costly than standard loans
Expert take
Swiftfund's £200k eligibility will hinge on healthy and consistent monthly card turnover. The factor-rate model is transparent, but work out the total cost against the advance before committing.
Source:https://swiftfund.co.uk/
365finance
Published loan range£10,000 to £500,000
Rate typeinterest 17% to 17%
Overview: 365finance offers merchant cash advances between £10,000 and £500,000, putting a £200k facility well within its lending range. The product is designed for card-taking businesses that want repayments to mirror trading income rather than fixed monthly debits.
Funding can arrive within 24 hours and the interest rate sits at 17%. To qualify for £200k, your business will need to demonstrate a strong and stable track record of card transactions over a sustained period.
Best next step: See if 365finance suits your £200k MCA needs
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Advances available up to £500,000
- Flexible sales-linked repayments
- Quick 24-hour funding turnaround
Need to know
- Fixed interest rate of 17%
- Requires strong card sales history
- Factor total cost before committing
Expert take
365finance can handle a £200k MCA but the 17% interest rate means you should compare total repayment costs carefully. It suits businesses with high-margin card sales that can absorb the cost.
YouLend
Published loan range£1,000 to £1,000,000
Rate typefactor 1.03% to 1.35%
Overview: YouLend provides merchant cash advances from £1,000 to £1,000,000, making a £200k advance achievable for businesses with robust card turnover. Repayments adjust with your daily card sales, offering breathing room during quieter trading periods.
Factor rates range from 1.03% to 1.35% and funding completes within 24 hours. YouLend may also consider secured facilities for larger or lower-risk cases, which could help when pushing towards the upper end of its range.
Best next step: Compare a £200k MCA from YouLend
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Wide range up to £1,000,000
- Low factor rates from 1.03%
- Secured options may improve terms
Need to know
- Strong trading history expected
- Personal guarantee may be required
- Secured option adds legal costs
Expert take
YouLend's competitive factor rates make it worth exploring for a £200k MCA. The secured route could unlock better pricing, but factor in the extra time and costs involved.
Source:https://www.youlend.com/uk/
Uncapped
Published loan range£20,000 to £2,000,000
Rate typeinterest 1% to 3%
Overview: Uncapped offers merchant cash advances from £20,000 to £2,000,000, so a £200k request sits comfortably within its capacity. The interest rate falls between 1% and 3%, with repayments linked to your ongoing card sales rather than a rigid schedule.
Funding can be completed within 24 hours once approved. Uncapped's high ceiling and competitive pricing make it a strong contender for established businesses that process significant monthly card volumes and want room to grow their facility.
Best next step: Check Uncapped rates for a £200k MCA
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- High ceiling up to £2,000,000
- Low interest rates from 1%
- Sales-linked flexible repayments
Need to know
- Significant card volume required
- Rates vary with risk profile
- Not suited for low-turnover businesses
Expert take
Uncapped's £2m ceiling and low headline rates make it attractive for a £200k MCA. Only businesses with heavy card throughput will see the best terms, so be ready to share terminal data.
Shire Leasing
Published loan range£5,000 to £750,000
Rate typeinterest 4% to 11%
Overview: Shire Leasing provides merchant cash advances ranging from £5,000 to £750,000, so a £200k facility is within scope for businesses with strong card income. Interest rates fall between 4% and 11%, with repayments tailored to your daily card takings.
Funding is typically available within 24 hours. Shire Leasing also offers asset finance and bridging, meaning it can look at a wider financial picture when assessing your £200k MCA application and overall business health.
Best next step: Explore a £200k MCA with Shire Leasing
More info
Company stats
Loan range
Rates and debtor rules
Benefits
- Advances available up to £750,000
- Interest rates from 4%
- Wider finance options available
Need to know
- May require personal guarantee
- Strong card history essential
- Secured options may add costs
Expert take
Shire Leasing's broader lending portfolio could help if your business needs more than just an MCA. The interest band is wider than some peers, so negotiate based on your card turnover strength.
Shireassetfinance
Published loan range£5,000 to £750,000
Rate typeinterest 4.5% to 12%
Overview: Shireassetfinance offers merchant cash advances from £5,000 to £750,000 with funding possible in as little as four hours. Interest rates sit between 4.5% and 12%, and repayments are collected as a share of daily card transactions.
For a £200k advance, the lender will assess your card terminal history and overall trading performance. The quick funding speed makes it a practical option when the capital is needed urgently and your card sales data is ready to share.
Best next step: Fast-track a £200k MCA with Shireassetfinance
More info
Company stats
Loan range
Rates and debtor rules
Benefits
- Funding in as little as 4 hours
- Covers advances up to £750,000
- Asset finance also available
Need to know
- Rates between 4.5% and 12%
- Card terminal data required
- May need security or PG
Expert take
The four-hour funding speed is a standout feature for a £200k MCA. Make sure your card processing data is organised so the underwriting can move quickly and you get the best rate available.
FundingAlt
Published loan rangeNot published
Rate typeinterest 8% to 16.5%
Overview: FundingAlt provides merchant cash advances alongside invoice finance, offering flexibility for businesses that take card payments and issue B2B invoices. Interest rates range from 8% to 16.5% and funding typically completes within 24 hours.
The published loan range is not confirmed, so a £200k MCA would depend on your specific card turnover and broader financial profile. FundingAlt's dual product approach could help if invoice finance bridges gaps alongside your MCA.
Best next step: Enquire about a £200k MCA with FundingAlt
More info
Company stats
Eligibility
Rates and debtor rules
Benefits
- MCA and invoice finance available
- Flexible combined funding approach
- Funding within 24 hours
Need to know
- £200k eligibility varies by case
- Rates from 8% to 16.5%
- Invoice quality affects terms
Expert take
FundingAlt is worth a look if your business blends card sales with B2B invoicing. The combined MCA and invoice finance model could unlock more total funding, though rates sit above some MCA-only rivals.
Source:https://www.fundingalt.com/
Tower Leasing Ltd
Published loan range£5,000 to £1,000,000
Rate typefactor 1.15% to 1.15%
Overview: Tower Leasing Ltd offers merchant cash advances from £5,000 to £1,000,000 with a factor rate of 1.15%. Repayments adapt to your daily card sales, and funding is typically completed within two working days.
A £200k advance fits within the lender's range for businesses with strong card terminal data. Tower Leasing also provides asset finance, so it can structure a broader package if your £200k requirement spans equipment and working capital.
Best next step: Check Tower Leasing for a £200k MCA
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Covers advances up to £1,000,000
- Flat factor rate of 1.15%
- Asset finance also available
Need to know
- Two-day funding timeline
- Asset eligibility checks may apply
- Depends on card sales history
Expert take
A flat 1.15% factor rate is competitive for a £200k MCA. The two-day timeline is slightly slower than some peers, but combining MCA with asset finance could be useful for growth-stage businesses.
liberis
Published loan range£1,000 to £1,000,000
Rate typefactor 1.1% to 1.5%
Overview: Liberis provides merchant cash advances from £1,000 to £1,000,000 with factor rates between 1.1% and 1.5%. Funding can be completed in as little as one hour, making it one of the fastest routes to a £200k advance for eligible businesses.
Repayments track your daily card takings, so outgoings stay proportionate to revenue. To access £200k, you will need a well-established card processing history and consistent monthly turnover that supports the advance size.
Best next step: Get a £200k MCA decision from Liberis
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Funding possible within one hour
- Advances up to £1,000,000
- Factor rates from 1.1%
Need to know
- Requires established card history
- Factor rates reach 1.5%
- Terms depend on turnover strength
Expert take
Liberis' one-hour funding speed is exceptional for a £200k MCA. Strong card terminal data is essential to unlock the headline rate, so have your processing statements ready before applying.
Source:https://www.liberis.com/
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How repayments work on a £200k merchant cash advance
A merchant cash advance at £200k works differently from a standard business loan. Repayments are not fixed monthly instalments. Instead, the lender takes an agreed percentage of your daily or weekly card terminal takings.
For a six-figure advance, this percentage is typically set between 10% and 20% of each card batch. When your card sales are high, you repay more. When they dip, your repayment drops. This flexibility helps businesses with seasonal or uneven revenue patterns manage cash flow while servicing a large advance.
Most lenders deduct repayments automatically through your card terminal provider. You do not need to make manual transfers. The advance is repaid once the agreed total is reached. At £200k, the repayment period often runs between 6 and 18 months depending on your card turnover. Strong trading months shorten the term. Quieter months extend it without penalty.
What card turnover you need for a £200k merchant cash advance
To access £200k through a merchant cash advance, your business needs substantial and consistent card takings. Lenders assess your average monthly card turnover to determine what advance size you can support.
As a general rule, most providers cap advances at roughly your monthly card revenue. That means you would typically need at least £200,000 in monthly card sales to qualify for a £200k advance. Some lenders may go higher for businesses with exceptional trading history.
Consistency matters as much as volume. Lenders review at least three to six months of card terminal statements. They look for stable or growing trends. Sharp declines or irregular spikes can weaken your application. Also consider that the percentage deduction needs to leave you with enough working capital after each repayment batch. If your net margin is tight, a smaller advance may be more suitable even if you qualify for the full £200k.
Factor rates vs interest rates on a £200k merchant cash advance
Merchant cash advances use factor rates, not annual interest rates. A factor rate is a multiplier applied to your advance amount. For example, a factor rate of 1.3 on a £200k advance means you repay £260,000 in total.
Factor rates on large advances like £200k tend to be more competitive than on smaller MCAs. Lenders often price six-figure advances at lower rates because the total return remains substantial and the borrower typically has stronger trading credentials.
Unlike an APR, a factor rate does not compound over time. The total cost is fixed from day one. This makes it easier to forecast your repayment total. However, early repayment does not usually reduce the total owed. When comparing offers, always convert factor rates into a total repayment figure. A 1.2 factor rate equals £240,000 total on a £200k advance. A 1.4 factor rate equals £280,000. The difference is significant at this scale.
What top lenders review when advancing six-figure MCAs
Lenders take a closer look when the advance reaches £200k. Beyond card terminal data, they typically review broader business health indicators. Key areas of scrutiny include your trading history, sector stability, and any existing borrowing. Most lenders want at least six months of trading, though some require longer for six-figure advances.
Your business bank statements and card machine statements are both standard requirements. Lenders also assess whether your business could sustain the daily or weekly deduction without cash flow strain. They may review your average balance, overdraft usage, and supplier payment patterns.
| Factor | Typical expectation at £200k |
|---|---|
| Monthly card turnover | £200,000 or higher |
| Trading history | 6 to 12 months minimum |
| Card terminal statements | 3 to 6 months required |
| Business bank statements | Often requested for larger advances |
Strong card data and stable trading are the most important factors. Lenders care less about credit scores and more about real-time revenue performance.
