Merchant Cash Advance
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Why Choose Our Merchant Cash Advance?
Merchant cash advance is that all repayments are based on revenue and repayments are made in line with sales, which is great for your cash flow.
- Fast Approval and Funding: Get approved in as little as 24 hours and receive funds within days.
- Flexible Repayment: Repay through a percentage of your sales, making it easier to manage cash flow.
- No Collateral Required: Unlike traditional loans, our MCA doesn't require any collateral or security.
- High Approval Rates: We understand the needs of small businesses and have a high approval rate, even for those with less-than-perfect credit.
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Looking for expert advice or simply want to find out more about what we offer? Complete our application form and we’ll get back to you.
What is a merchant cash advance?
A merchant cash advance is an alternative business funding option where repayments are linked to your daily card sales. Unlike a traditional loan, there’s no fixed repayment schedule – you repay a percentage of takings, making it ideal for seasonal or fluctuating revenues. Funds are typically approved quickly and don’t require collateral, making it suitable for retail, hospitality, and other card-reliant businesses
Merchant Cash Advance: Who Can Benefit?
Our Merchant Cash Advance is perfect for:
- Retail Stores: Manage inventory, seasonal fluctuations, or store renovations.
- Restaurants: Cover unexpected expenses, expand your menu, or open a new location.
- Service Providers: Invest in new equipment, marketing, or staff training.
How Does a Merchant Cash Advance Work?
- Apply: We assess your business financials including Chip and pin terminal and online sales income
- Get Approved: Our team will review your application and get back to you with an approval decision within 24 hours.
- Receive Funds: Once approved, you'll receive the funds directly into your business account within a few days.
- Repay Easily: Repay the advance through a small percentage of your daily credit card sales, ensuring you only pay when you make sales.
How to choose the right merchant cash advance
- Your card sales volume: lenders typically require consistent POS turnover.
- Factor rate versus APR: check total repayable cost.
- Repayment terms: holdback %, duration, fixed vs % repayments.
- Provider credibility: FCA-regulated lenders, transparent contract terms.
Our specialists compare market options and negotiate terms that suit your cash-flow needs.
Why choose Christie Finance for your merchant cash advance?
We work with a panel of trusted merchant cash advance lenders across the UK. Our team tailors each advance to your revenue profile, ensuring the funding works for your business goals and repayment capacity.
Start your Finance Application Now
Looking for expert advice or simply want to find out more about what we offer? Complete our application form and we’ll get back to you.
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Christie Finance Case Studies: Unlocking Growth with Merchant Cash Advance
Travel Agency Expansion
Christie Finance arranged a flexible Merchant Cash Advance (MCA) facility for a rapidly growing travel agency looking to capitalise on peak seasonal demand. The funding enabled the business to broaden its service offering, invest in targeted marketing campaigns, and onboard additional staff to meet increased customer enquiries. The MCA structure allowed repayments to align with card sales, offering a manageable and scalable solution during a critical growth phase.
Pub & Restaurant Cash Flow Support
A busy pub and restaurant in a popular tourist area faced recurring seasonal cash flow challenges. Christie Finance provided a repeat Merchant Cash Advance, tailored to the venue’s trading patterns. The facility helped the client maintain optimal stock levels, cover staffing costs during peak periods, and invest in promotional activity to drive footfall. The MCA’s flexible repayment model ensured the business could manage repayments without straining day-to-day operations.
Hotel Expansion Programme
Christie Finance supported a well-established hotel undergoing a multi-phase expansion and refurbishment project. Through a substantial Merchant Cash Advance, the hotel secured working capital to maintain smooth operations while upgrading facilities and adding new rooms. The MCA allowed the business to continue trading effectively, manage supplier payments, and enhance guest experience—all while aligning repayments with future revenue from card transactions.
Merchant Cash Advance FAQs
What is a Merchant Cash Advance?
A Merchant Cash Advance (MCA) is an alternative form of business funding where a company receives a lump sum upfront and repays it through a percentage of daily card sales. It is designed for businesses with regular card turnover such as retail, hospitality, and service sectors.
How does a Merchant Cash Advance work?
With an MCA, you apply through a specialist provider like Christie Finance. Once approved, you receive the funds in your business account. Repayments are taken as a fixed percentage of your card sales, meaning you only pay when you make sales.
What are the pros and cons of a Merchant Cash Advance?
The main advantages are fast access to funds, no need for physical assets as security, and repayments that flex with your sales. The main drawback is cost, as MCAs can be more expensive than traditional loans. Christie Finance ensures clients compare all options so they understand the true cost before committing.
Who is eligible for a Merchant Cash Advance?
Eligibility is based on consistent card revenue, usually from a PDQ terminal or online transactions. Lenders typically require several months of trading history and evidence of regular card sales. Christie Finance works with lenders to find the right fit for your business profile.
Does a Merchant Cash Advance affect my credit score?
Merchant Cash Advances do not usually impact your credit score unless you default on the agreement. Because repayments are linked to sales rather than fixed instalments, the risk of missing payments is lower.
How much does a Merchant Cash Advance cost?
Instead of interest, MCAs use a factor rate to calculate the total repayable amount. The cost depends on your sales volume, business performance, and lender terms. Christie Finance helps you secure transparent terms so you know exactly what you will repay.
How quickly can I get funding through Christie Finance?
Most Merchant Cash Advances are approved within 24 hours and funds can be released in just a few days. Christie Finance works with a trusted panel of MCA lenders to ensure your business gets quick access to the capital it needs