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Merchant Cash Advance
A merchant cash advance is a flexible alternative to an unsecured business loan, with payments usually taken back via a small percentage of a companies credit and debit card sales.
The lender will provide your company with an upfront amount of money and an agreed percentage of the upcoming business revenue taken daily or weekly in order to repay. Most merchant cash advances (or MCA’s) are unsecured and come with a personal guarantee.
A merchant cash advance can be used for refurbishment, repairs, marketing, stock purchases or general working capital and are usually repaid within 6-12 months
Benefits of an MCA
Payments are flexible – with the payments being of percentage of upcoming income, if you have a busy day then you will pay more, if you have a slow day then you will pay less. Payments are designed to work in line with your turnover and stay affordable.
High approval rates – with acceptance rates in the region of 90% with some lenders this is a product even for business owners with weaker credit profiles
No collateral required – only a personal guarantee is required
Are You Ready to Move Your Business Forward?
Get in touch to explore flexible finance options tailored to your goals. Quick response. No obligation.