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Merchant cash advance
Working capital repaid from a share of future card or bank deposits, often decided quickly.
How it works
A merchant cash advance (MCA) isn’t a loan: a funding provider buys a portion of your future receivables at a discount and is repaid from a fixed share of your daily or weekly sales or deposits until the agreed amount is collected.
Typical useShort-term working capital, inventory, slow seasons
RepaymentA share of future sales or fixed daily/weekly debits
What providers look atMonthly revenue and time in business
Worth knowing
- Decisions are often quicker than bank financing
- Repayment moves with your sales when it’s a percentage of receivables
- Usually a higher total cost than term financing, so compare the total payback carefully
Amounts, costs and terms are set by each funding provider and depend on your business. We’ll show you the full cost of any offer before you decide.
Apply for merchant cash advance