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Merchant Cash Advance to Keep Your Funds Flowing
Businesses using card terminals for payments face unique cash flow challenges that hinder income stability. A merchant cash advance helps you handle fluctuations, especially during seasonal periods.
Check your eligibility
What can a merchant cash advance be used for?
There are no restrictions on the uses of a merchant cash advance, meaning funds can be used for a variety of requirements, including:
Inventory and supply purchases
Expansion or renovation
Equipment upgrades or repairs
Debt consolidation
Marketing and advertising
Paying staff wages
Cash flow management
Unexpected costs
What is a merchant cash advance?
Different from a traditional loan, a merchant cash advance (MCA) is based on revenue taken through a business' card machines. A lender will provide a lump sum of cash to a business in exchange for a small percentage of its revenue streams.
Protect your cash flow
What can a merchant cash advance be used for?
There are no restrictions on the uses of a merchant cash advance, meaning funds can be used for a variety of requirements, including:
Inventory and supply purchases
Expansion or renovation
Equipment upgrades or repairs
Debt consolidation
Marketing and advertising
Paying staff wages
Cash flow management
Unexpected costs
How can a merchant cash advance help your business?
Merchant cash advances are a quick and easy solution for any retail business' working capital needs. At Millbrook, we can secure you the best solution, tailored to your needs, at the most competitive rates.
This type of loan helps you to manage your cash flow efficiently and is ideal for businesses with minimal assets and in which most earnings come from card transactions.
Fast financing
Merchant cash advances offer fast access to funding, making it an attractive option for businesses in need of cash quickly.
Easy application process
The application process is typically quick and simple, often requiring only basic information, such as the business sales volume.
No collateral required
No collateral required, lowering the risk for businesses that may not have sufficient assets to offer as collateral.
Flexible payments
Repayment terms are typically based on a percentage of sales volume, allowing businesses to make payments that align with their cash flow.
No restrictions on use of funds
You won't have restrictions on how funds are used, meaning you have the freedom to use the money as you see fit for your business operations.
No credit score requirements
Approval is typically based on the business' sales volume, providing an option for businesses with less-than-stellar credit.
Potential for repeat funding
After an MCA is repaid, businesses may be eligible for additional funding from the same lender, providing an ongoing source of working capital.
Helping businesses like yours
We understand building a successful business can take years of dedication, be it a lifelong dream or require a lightbulb moment to make it a reality. We focus on your finances, so you can make the magic happen.
Merchant Cash Advance vs Traditional Loans
£100k merchant cash advance for a much-loved pub
A family-run gastro pub wanted to consolidate debt to reduce monthly repayments and to smooth cash flow during seasonal fluctuations.
MCA repayments flexible to business performance
Monthly cost savings on reduced repayments
Provided a credit score boost!
Fantastic service from Philip, honestly, from the start. He didn't get my hopes up for anything unachievable and listened to my issues and opinions. Good communication is absolutely key to me, no matter the outcome, and Philip was excellent at that.
Rapid
funding
Repayments are a
percentage of revenue
No collateral
required
Credit score is not a
determining factor
No restrictions on
use of funds
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Daily repayments
available
Sector Expertise
Financing businesses like yours
Our business finance specialists have over 60 years of collective experience working in commercial finance. We support companies across a wide variety of industries and have access to over 100 UK lenders to approve finance in almost any sector.
Apply for a merchant cash advance
Keep accepting card payments without it affecting your cash flow. Get the right merchant cash advance solution for your working capital needs.
Start your application
Need a different business finance solution?
Millbrook does more than just merchant cash advances. We have an array of flexible business financing options to meet any requirement. Head to our solutions overview page or browse the options below.
BUSINESS LOANS
Get fast unsecured and secured business loans from £25k–£25m.
For any business purpose
Up to 10 years repayment terms
Funding approved within 8 hours
GROWTH GUARANTEE SCHEME
GGS offers flexible terms and competitive rates tailored to your specific needs.
70% government backed
Up to £2m per business
Available in addition to CBILs & BBLs
ASSET & EQUIPMENT FINANCE
Support your business growth without impacting your cash flow.
Purchase any asset
Simple application process
Repayment terms up to 7 years
VEHICLE FINANCE
Fund any vehicle purchases, from vans and lorries to supercars.
Flexible deposits available
Tailored balloon payments
Hire purchase, lease or refinance
REFINANCE
Release cash equity from equipment or obtain better terms on existing finance agreements.
Release cash from your equipment
Obtain improved finance terms
Great for debt consolidation
MERCHANT CASH ADVANCE
Quickly raise working capital against your company's card sales.
No interest rate or fixed repayments
Borrow up to double your monthly card sales
90% approval rate
COMMERCIAL PROPERTY FINANCE
Get quick access to property-related finance.
Repayment up to 30 years
Interest-only products available
80% LTV or 100% with security
INVOICE FINANCE
Unlock funds tied up in outstanding invoices.
Up to 90% of invoices’ value
Your facility grows with you
Fast and simple to release cash
Need help choosing the right finance solution for your business?
Business finance can be complicated. To help you make sense of the options available, we've created this handy interactive Business Finance Checklist.
Download now
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