Best MCA Loan Lenders for Spas in the UK
For UK franchise buyers and operators, this guide compares loan periods and amounts, APRs, and terms across leading providers, with a focus on eligibility and fit. Amounts that could not be verified are left blank prices accurate as of 2025-10-09.
1. Funding Agent
Funding Agent offers Merchant Cash Advances suited for businesses needing quick access to working capital or sector-specific finance. It provides flexible repayment options and fast approval processes for SMEs seeking straightforward funding solutions. It suits franchise buyers and operators requiring rapid funding with minimal collateral. Here's what to know:
Loan Details
- Min Amount: £5,000
- Max Amount: £500,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Unknown⌛
Services & Industries
- Finance Types: Merchant Cash Advance
- Industries: SPA, Retail, Hospitality
Pros
- Quick funding
- Flexible repayment terms
Cons
- Limited to businesses with card sales
Sources: https://www.fundingagent.co.uk/post/the-best-mca-loan-lenders-in-the-uk
2. YouLend
YouLend provides revenue-based financing options that are suitable for SMEs looking for flexible repayment structures linked to sales. It offers quick decisions and brokered access to varied funding streams. It is ideal for businesses aiming to manage cash flow through sales-linked repayments. Here's what to know:
Loan Details
- Min Amount: £3,000
- Max Amount: £1,000,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Flexible based on sales⌛
Services & Industries
- Finance Types: Merchant Cash Advance, Revenue-based Finance
- Industries: SPA, Retail, E-commerce
Pros
- Fast decision
- No collateral required
Cons
- Higher cost due to revenue-based structure
Sources: http://www.youlend.co.uk/
3. Liberis
Liberis offers business cash advances that are linked to sales and suitable for SMEs needing quick access to flexible funding. It provides alternative financing that is non-traditional and based on sales performance. It is good for those seeking on-demand cash flow. Here's what to know:
Loan Details
- Min Amount: £5,000
- Max Amount: £300,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Flexible based on sales⌛
Services & Industries
- Finance Types: Merchant Cash Advance, Business Cash Advance
- Industries: SPA, Retail, Technology
Pros
- Pre-approved funding offers
- No hidden fees
Cons
- APR not explicitly detailed
Sources: https://liberis.co.uk/
4. 365 Business Finance
365 Business Finance provides merchant cash advances focused on revenue-based finance, supporting UK SMEs needing quick access to capital. It offers flexible repayment options and brokered services for various sectors. It is suitable for businesses seeking rapid, sales-linked funding. Here’s what to know:
Loan Details
- Min Amount: £10,000
- Max Amount: £500,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Flexible based on sales⌛
Services & Industries
- Finance Types: Merchant Cash Advance, Revenue-based Finance
- Industries: SPA, Retail, Hospitality
Pros
- No fixed term agreements
- Automatic repayment
Cons
- Dependent on card sales volume
Sources: https://www.365finance.co.uk/
5. Clifton Private Finance
Clifton Private Finance provides a range of loans and asset finance options for SMEs needing flexible capital solutions for growth or specific projects. It offers a variety of financing types suited for different sectors. It is suitable for businesses with specific planning needs. Here's what to know:
Loan Details
- Min Amount: £50,000
- Max Amount: £15,000,000
- Min APR: 7%
- Max APR: 20%
- Loan Duration: 3–72 months⌛
Services & Industries
- Finance Types: Business Loan, Bridging Finance
- Industries: Real Estate, SPA, Agriculture
Pros
- Competitive rates
- Wide range of funding options
Cons
- Higher minimum loan amount
Sources: https://www.cliftonpf.co.uk/business-loans/
6. Swoop Funding
Swoop Funding offers a wide variety of finance options including loans, equity, and grants. It provides flexible choices tailored for different industries. It is suitable for SMEs seeking diverse and adaptable funding streams. Here's what to know:
Loan Details
- Min Amount: £1,000
- Max Amount: £5,000,000
- Min APR: 7.5%
- Max APR: 35%
- Loan Duration: 6–72 months⌛
Services & Industries
- Finance Types: Business Loan, Equity, Grants
- Industries: SPA, E-commerce, Healthcare
Pros
- Diverse financing options
- Wide industry scope
Cons
- Variable rates across products
Sources: https://swoopfunding.com/
How to choose
When selecting a funding provider for your spa franchise, consider the type of finance that best suits your needs. Bank-based lenders often offer larger amounts at potentially lower rates but may have stricter eligibility criteria. Brokered options can provide access to a variety of lenders and flexible terms. Specialist providers like Funding Agent focus on quick merchant cash advances suitable for operational expenses. Evaluate how the loan size, repayment terms, and fees fit your budget and cash flow. Comparing options carefully ensures you find the most appropriate funding for your business goals.
Conclusion
Matching the right provider type to your needs is key. Banks and traditional lenders often serve larger, secured loans. Brokers can help access tailored options across multiple lenders. Specialist providers like Funding Agent are well-suited for quick, unsecured cash advances. Always review current costs and terms before making a decision. The right choice depends on your specific funding purpose and business situation.
