Merchant Cash Advance, or MCA, is short-term funding for businesses that accept debit and credit card payments. An MCA is an alternative mode of financing to traditional small-business loans.

With an MCA, lenders provide businesses with an upfront sum of money, which a business then repays using a percentage of its card transaction sales, plus fees.

Fast, flexible, and scalable, the merchant cash advance is a favourite for UK hospitality, retail, and leisure businesses. Using your card payment terminal to access unsecured lending, it’s an ideal solution for businesses with few assets, but a good volume of daily card transactions. With no need to juggle monthly cashflow, repayment is made ‘at source’ as a percentage of your card revenue. Pay more as business grows, pay less if things are slow. The perfect mix for many SMEs.

Merchant cash advances can benefit small businesses requiring urgent capital to cover emergencies, short-term expenses, or cash flow shortages. Businesses can use MCAs to cover numerous expenses, such as equipment purchases, repairs and renovations, working capital and expansion costs.

Provide Finance helps you get the Merchant Cash Advance you want, fast. With access to over 200 approved lenders, all with competing rates and terms to secure your business, we can put your enquiry in front of a range of pre-approved lenders where you can screen, shortlist and choose. Start matching today.