Top MCA Loan Lenders for Salons 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 Funding agent primarily focuses on providing flexible business loans and financing solutions aimed at SMEs. It caters to franchise networks such as salons and offers quick, transparent access to funding with flexible terms. Here's what to know:

Loan Details

• Min Amount: £0
• Max Amount: £0
• Min APR: 0%
• Max APR: 0%
• Loan Duration: Unknown⌛

Services & Industries

• Finance Types: MCA, Business Loans
• Industries: Salons

Pros

• Trusted lender
• Flexible financing solutions

Cons

• Limited information on APR and loan amounts

Sources: https://www.fundingagent.co.uk/post/the-best-mca-loan-lenders-in-the-uk

2. YouLend

YouLend YouLend offers revenue-based embedded finance options designed for SMEs seeking quick access to funding. It provides fast approval with repayment that aligns with sales, suitable for those needing flexible, short-term cash flow solutions. Here's what to know:

Loan Details

• Min Amount: £10,000
• Max Amount: £1,000,000
• Min APR: 0%
• Max APR: 0%
• Loan Duration: Unknown⌛

Services & Industries

• Finance Types: MCA, Revenue-Based Finance
• Industries: Multiple industries including retail and salons

Pros

• High approval rate
• Flexible repayment tied to revenue

Cons

• Higher interest rates

Sources: https://aptpayment.co.uk/business-loans/youlend/

3. Liberis

Liberis Liberis specialises in providing flexible merchant cash advances on a straightforward basis. It offers quick approval for businesses seeking cash flow solutions secured on credit and debit card sales, suitable for SMEs wanting rapid access to working capital. Here's what to know:

Loan Details

• Min Amount: £0
• Max Amount: £0
• Min APR: 0%
• Max APR: 0%
• Loan Duration: Unknown⌛

Services & Industries

• Finance Types: Business Cash Advance
• Industries: Various including salons

Pros

• Simple cost structure
• No APR involved

Cons

• Not regulated by the Financial Conduct Authority

Sources: https://www.elavon.co.uk/resource-center/maximise-your-solutions/liberis-business-funding.html

4. 365 Business Finance

365 Business Finance Specialises in providing merchant cash advances and revenue-based facilities suitable for businesses requiring quick access to working capital. Its funding methods typically focus on sales-based repayments, making it ideal for firms looking for flexible, short-term funding options. Here's what to know:

Loan Details

• Min Amount: £0
• Max Amount: £500,000
• Min APR: 0%
• Max APR: 0%
• Loan Duration: Unknown⌛

Services & Industries

• Finance Types: MCA, Revenue-Based Finance
• Industries: Various industries

Pros

• No fixed monthly payments
• Quick funding

Cons

• Interest rates not specified

Sources: https://www.365finance.co.uk/

5. Boost Capital

Boost Capital Boost Capital provides unsecured business loans aimed at small firms seeking quick, accessible funding options. It offers solutions with flexible terms and straightforward application processes, suitable for SMEs needing rapid cash. Here's what to know:

Loan Details

• Min Amount: £10,000
• Max Amount: £500,000
• Min APR: 15%
• Max APR: 50%
• Loan Duration: 4 to 18 months⌛

Services & Industries

• Finance Types: Unsecured Business Loan
• Industries: Small businesses

Pros

• Fast application process
• Flexible terms

Cons

• Higher APRs

Sources: https://www.fundingagent.co.uk/lender-reviews/boost-capital-reviews

6. Capify

Capify Capify offers merchant cash advances tailored for startups and small to medium-sized enterprises. It focuses on card sales revenue and provides flexible funding options, suitable for firms seeking quick access on screen-based sales. Here's what to know:

Loan Details

• Min Amount: £0
• Max Amount: £0
• Min APR: 0%
• Max APR: 0%
• Loan Duration: Unknown⌛

Services & Industries

• Finance Types: Merchant Cash Advance
• Industries: Startups, SMEs

Pros

• Tailored for startups
• Focus on card sales

Cons

• Loan amounts not specified

Sources: https://merchantmachine.co.uk/cash-advance/

7. Fleximize

Fleximize Fleximize offers merchant cash advances that are brokered and designed to provide flexible funding options. It focuses on those needing quick access with transparent, predictable repayment plans often linked to sales volumes. Here's what to know:

Loan Details

• Min Amount: £0
• Max Amount: £0
• Min APR: 0.9%
• Max APR: 0%
• Loan Duration: Unknown⌛

Services & Industries

• Finance Types: MCA
• Industries: Multiple including salons

Pros

• No hidden fees
• Flexible repayment

Cons

• Interest charged on reducing balance

Sources: https://fleximize.com/business-loans/merchant-cash-advance

8. Momenta Finance

Momenta Finance Momenta specialises in quick, flexible merchant cash advances often used by SMEs for short-term cash flow needs. It provides straightforward approval processes and sales-based repayment options, suitable for businesses seeking rapid funding with minimal hassle. Here's what to know:

Loan Details

• Min Amount: £0
• Max Amount: £0
• Min APR: 0%
• Max APR: 0%
• Loan Duration: Unknown⌛

Services & Industries

• Finance Types: MCA
• Industries: SMEs including salons

Pros

• Easy application
• Quick approval

Cons

• Details on APR missing

Sources: https://merchantmachine.co.uk/cash-advance/

9. Portman Finance

Portman Finance Portman Finance offers merchant cash advances through a network of lenders, providing options tailored to business needs. It focuses on offering fast, flexible funding for SMEs seeking working capital solutions without extensive collateral requirements. Here's what to know:

Loan Details

• Min Amount: £0
• Max Amount: £0
• Min APR: 0%
• Max APR: 0%
• Loan Duration: Unknown⌛

Services & Industries

• Finance Types: MCA
• Industries: Various including salons

Pros

• Wide panel of lenders
• Tailored solutions

Cons

• Specifics on terms not listed

Sources: https://portmanfinancegroup.co.uk/merchant-cash-advance/

10. Clifton Private Finance

Clifton Private Finance Specialises in quick-access merchant cash advances, usually secured on short-term financing needs. It offers a simple application process and fast approval, suitable for SMEs needing immediate working capital without lengthy procedures. Here's what to know:

Loan Details

• Min Amount: £0
• Max Amount: £0
• Min APR: 0%
• Max APR: 0%
• Loan Duration: Unknown⌛

Services & Industries

• Finance Types: MCA
• Industries: SMEs

Pros

• Simple application
• Quick funding

Cons

• Limited information on loan specifics

Sources: https://www.cliftonpf.co.uk/merchant-cash-advance/

How to choose

Matching a lender to your salon business depends on your needs. A bank loan offers larger sums but may take time and require collateral. Brokered or specialist providers like MCA lenders tend to be quicker and more flexible for fast cash needs. Consider your repayment schedule and whether you prefer fixed or sales-based repayments. Review fees, terms, and eligibility criteria to find the best fit for your situation.

Conclusion

Choosing the right provider depends on your objectives. Bank lenders suit those seeking larger, secured loans. Brokers and specialised MCA lenders are more suitable for fast, unsecured funding. Always verify the current costs and terms with the lender; pricing may change. Funding Agent is a strong choice for SMEs that want quick comparisons across multiple options. Other providers suit larger amounts, asset-backed needs, or sector specialisms. Always confirm current costs and terms with the lender; pricing may change.