Compare Merchant Cash Advances

  • Merchant cash advances are designed for businesses that need an advance on their projected card sales
  • Below we compare a selection of specialist business finance provider that offer merchant cash advances to UK companies

Choose a type of business loan to compare...

    • THINK Business Loans Merchant Cash Advance logo
      Broker

      THINK Business Loans Merchant Cash Advance

      • Check eligibility (without a credit check) & compare all MCA facilities in one place
      • THINK work with the whole market to find you the best rates
      • Borrowers must process at least £5,000 in card transactions monthly
      • Minimum Turnover
        £50,000 p.a.
      • Available Amounts
        £25,500 to £500,000
      • Available Terms
        3 months to 3 years

      Company details

      • THINK's funding platform matches your businesses eligibility against hundreds of lenders instantly (without a credit check)
      • THINK are the UK's leading business lending specialists; their experts are on hand to guide you through the process
      • Find the perfect loan in minutes - Make the lender work for you

      Eligibility criteria

      • Must have at least 3 months trading history
      • Must take card payments
      • No credit score required
      • In some cases you may be required to change card providers
    • 365 Business Finance Merchant Cash Advance logo

      365 Business Finance Merchant Cash Advance

      • A flexible business funding alternative
      • Pay back an affordable % of your card transactions
      • No security or business plan required
      • Minimum Turnover
        £5,000+ card transactions per month
      • Available Amounts
        £5,000 to £200,000
      • Available Terms
        4 to 18 months

      Company details

      • Get between £5,000 and £200,000
      • Pay back through your customer card transactions
      • A single all inclusive charge that never changes
      • No interest, APRs or hidden extras

      Eligibility criteria

      • Your business must have been trading for at least 6 months
      • Your business must accept debit and credit card payments
      • Your business must take at least £5,000 per month in card transactions.
    • Liberis Business Cash Advance logo

      Liberis Business Cash Advance

      • Approval in as little as 5 mins, and funds can be yours within hours
      • Competitive pricing tailored to your business - no APR or hidden fees
      • 9 out of 10 customers would recommend us
      • Minimum Turnover
        £2,500+ card transactions per month
      • Available Amounts
        £2,500 to £300,000
      • Available Terms
        4 to 12 months

      Company details

      • Approval in as little as 5 mins, and funds can be yours within hours!
      • Competitive pricing tailored to your business. No APR or hidden fees.
      • 9 out of 10 customers would recommend Liberis

      Eligibility criteria

      • Trading for 4+ months
      • Average £625+ a week in card payments
    • Funding Circle Merchant Cash Advance logo
      Peer To Peer

      Funding Circle Merchant Cash Advance

      • Get working capital to take your business forward with a fast, affordable business loan
      • Apply in 10 mins, get a decision typically in 24 hours
      • Rates from 1.9% - no fees for full early repayment
      • Minimum Turnover
        £50,000 p.a.
      • Available Amounts
        £10,000 to £1,000,000
      • Available Terms
        6 months to 5 years

      Company details

      • Simple online form and a dedicated account manager
      • Get a decision in as little as 5 hours
      • Rates from 1.9% per year - no fees for full early repayment

      Eligibility criteria

      • At least two years filed accounts with Companies House or formally prepared accounts for non-limited businesses.
    • Nucleus Merchant Cash Advance logo

      Nucleus Merchant Cash Advance

      • Borrow up to 125% of your monthly card volumes
      • Pay back little by little through your customer card transactions
      • Fast service - receive your funding in 24 hrs
      • Minimum Turnover
        £2,400+ in card transactions per month
      • Available Amounts
        £3,000 to £150,000+
      • Available Terms
        4 to 12 months

      Company details

      • Fast service - receive your funding in 24 hrs
      • Human approach - Nucleus's in-house experts will guide you through the process
      • No early repayment fee

      Eligibility criteria

      • Business registered in England, Wales or Scotland (Scotland max advance £40k)
      • Minimum 4 month's trading history
      • Minimum advance £3,000
      • Minimum 10 card transactions per month
      • Minimum £2,400 card revenue per month
      • Property Owner (if advance is over £75k)

    Suppliers that don't offer Merchant Cash Advances but may offer suitable alternatives:

    • Yorkshire Bank logo

      Yorkshire Bank

      • Apply online in just 10 minutes
      • Get a fast decision and funds available within days
      • Rates from as low as 3.5% - and no arrangement fees
      • Minimum Turnover
        No minimum
      • Available Amounts
        £10,000 to £150,000
      • Available Terms
        1 to 5 years

      Company details

      • Apply online in just 10 minutes
      • Get a fast decision and funds available within days
      • Rates from as low as 3.5% - and no arrangement fees

      Eligibility criteria

      • Lending is subject to status and eligibility
      • Security may be required
    • iwoca logo

      iwoca

      • No hidden fees or long term commitments
      • Apply online in minutes
      • Approval within 48 hours, in some cases instantly
      • Minimum Turnover
        No minimum
      • Available Amounts
        £1,000 to £200,000
      • Available Terms
        up to 12 months

      Company details

      Eligibility criteria

    • Lombard Business Loans logo

      Lombard Business Loans

      • Lombard is one of the UK's oldest and largest asset finance partner
      • They help thousands of businesses invest in their future every day
      • Lombard have won Best Leasing and Asset Finance Provider at the Business Moneyfacts Awards every year from 2009 to 2018
      • Minimum Turnover
        No minimum
      • Available Amounts
        £6,320 to £150,000
      • Available Terms
        1 to 7 years

      Company details

      • Lombard is one of the UK's oldest and largest asset finance partner
      • They help thousands of businesses invest in their future every day
      • Lombard have won Best Leasing and Asset Finance Provider at the Business Moneyfacts Awards every year from 2009 to 2018

      Eligibility criteria

    • Esme Business Loans logo

      Esme Business Loans

      • Simple, fast & fair business loans from Esme Loans
      • Hassle-free, paperless application takes just 10 minutes
      • Funds are sent within the hour if approved and you can receive faster payments
      • Minimum Turnover
        £15,000 p.a.
      • Available Amounts
        £10,000 to £150,000
      • Available Terms
        1 to 5 years

      Company details

      • Simple, fast & fair business loans from Esme Loans
      • Hassle-free, paperless application takes just 10 minutes
      • Funds are sent within the hour if approved and you can receive faster payments

      Eligibility criteria

      • Limited Companies Only. Applicants must be a Director of the Business, over 18 and be able to provide a personal guarantee.
      • Must be actively trading for at least 18 months with a current turnover of at least £15,000.
    • Capital on Tap logo

      Capital on Tap

      • This is a business MasterCard
      • Credit limits up to £50,000 with no monthly or annual fees
      • 0% Interest on all card purchases, when balance cleared in full each month
      • Minimum Turnover
        £24,000 p.a.
      • Available Amounts
        £1,000 to £50,000
      • Available Terms
        1 month to 2 years

      Company details

      • Capital on Tap specialises in supporting the UK's SMEs with business cards.
      • Offering Credit limits up to £50,000 with rates as low as 9.9%.
      • Since 2012, Capital on tap has provided more than 200M to over 30,000 UK businesses.

      Eligibility criteria

      • Limited Companies, Sole Traders, Partnerships and Limited Liability Partnerships all welcome to apply
      • No Outsanding CCJs
      • Minimum 12 months Trading History
    • Together logo

      Together

      • Your loan must be secured against your property
      • Lending for over 40 years
      • Award winning specialist lender
      • Offering short-term finance, auction finance, personal, commercial and buy-to-let mortgages
      • Minimum Turnover
        No minimum
      • Available Amounts
        £25,000 to £5,000,000
      • Available Terms
        6 months to 30 years

      Company details

      • Lending for over 40 years
      • Award-winning specialist lender
      • Fast, flexible short-term finance, auction finance, and personal, commercial and buy-to-let mortgages

      Eligibility criteria

    • NatWest logo

      NatWest

      • NatWest provide a range of lending products that could be used alongside the Government's Enterprise Finance Guarantee scheme
      • If traditional bank financing is not appropriate for you, they can help you understand some sources of non-bank finance options
      • Eligibility criteria apply for all funds and schemes
      • Minimum Turnover
        No minimum
      • Available Amounts
        £1,000 to £10,000,000
      • Available Terms
        1 to 25 years

      Company details

      • NatWest provide a range of lending products that could be used alongside the Government's Enterprise Finance Guarantee scheme
      • If traditional bank financing is not appropriate for you, they can help you understand some sources of non-bank finance options
      • Eligibility criteria apply for all funds and schemes

      Eligibility criteria

      • NatWest provide a range of lending products that could be used alongside the Government's Enterprise Finance Guarantee scheme
      • If traditional bank financing is not appropriate for you, they can help you understand some sources of non-bank finance options
      • Eligibility criteria apply for all funds and schemes
    • Fleximize logo

      Fleximize

      • Industry-leading flexibility - top-ups, repayment holidays, penalty-free early repayment, no set-up fees
      • Interest charged on reducing balance, not total loan amount - repay early and only pay for the time you had the loan
      • Apply online in five minutes, typically get a decision in 24 to 48 hours, receive funds the same day
      • Minimum Turnover
        £60,000 p.a.
      • Available Amounts
        £5,000 to £500,000
      • Available Terms
        1 month to 4 years

      Company details

      • Industry-leading flexibility - top-ups, repayment holidays, penalty-free early repayment, no set-up fees
      • Interest charged on reducing balance, not total loan amount - repay early and only pay for the time you had the loan
      • Apply online in five minutes, typically get a decision in 24 to 48 hours, receive funds the same day

      Eligibility criteria

    • Royal Bank of Scotland Business Loans logo

      Royal Bank of Scotland Business Loans

      • Royal Bank of Scotland provide a range of lending products that could be used alongside the Government's Enterprise Finance Guarantee scheme
      • If traditional bank financing is not appropriate for you, they can help you understand some sources of non-bank finance options
      • Eligibility criteria apply for all funds and schemes
      • Minimum Turnover
        No minimum
      • Available Amounts
        £1,000 to £10,000,000
      • Available Terms
        1 to 25 years

      Company details

      • Royal Bank of Scotland provide a range of lending products that could be used alongside the Government's Enterprise Finance Guarantee scheme
      • If traditional bank financing is not appropriate for you, they can help you understand some sources of non-bank finance options
      • Eligibility criteria apply for all funds and schemes

      Eligibility criteria

      • Royal Bank of Scotland provide a range of lending products that could be used alongside the Government's Enterprise Finance Guarantee scheme
      • If traditional bank financing is not appropriate for you, they can help you understand some sources of non-bank finance options
      • Eligibility criteria apply for all funds and schemes
    • The Start Up Loans Company logo

      The Start Up Loans Company

      • Interest rate of fixed 6% per annum
      • Receive business mentoring and support after drawing down your loan
      • No application fees or early repayment fees
      • Minimum Turnover
        No minimum
      • Available Amounts
        £500 to £25,000
      • Available Terms
        1 to 5 years

      Company details

      • Start Up Loans is a Not-For-Profit Company offering a finance and mentoring solution to start and grow a business
      • Start Up Loans have helped over 40,000 businesses get started in the UK
      • Free application support
      • Free post-loan business mentoring

      Eligibility criteria

      • Business is based in the UK
      • Trading for under 24 months
      • 18 years and over
    • Spotcap logo

      Spotcap

      • Your business must have been trading for 3+ years and be profitable to be eligible
      • Fully unsecured business loan - no personal guarantee needed
      • Apply online in 15 mins, decision in one working day
      • No withdrawal fee. No early repayment fee
      • Minimum Turnover
        £500,000 p.a.
      • Available Amounts
        £50,000 to £250,000
      • Available Terms
        1 month to 2 years

      Company details

      Eligibility criteria

Our comparison service features a selection of providers from whom we receive commission. This table is initially ordered according to our commercial arrangements. You can use the options above the table to order it according to various criteria.

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Merchant Cash Advance FAQ

Merchant cash advances are a form of lump sum cash advance provided to businesses based on their projected card expenditure. If you are considering a merchant cash advance, our selection of frequently asked questions below will provide you with important information to aid you in making a decision - just click on the question headings for a concise, helpful answer.

What is a merchant cash advance?

Can all businesses apply for a merchant cash advance?

Do I need to pay an interest rate?

How much of an advance can I get?

How much does it cost?

How do I pay back an advance?

What can I use a merchant cash advance for?

Will I need perfect credit for approval?

How can I apply for a merchant cash advance?