Merchant Cash Advance

Unlock Growth with a Flexible Merchant Cash Advance

Get Fast, Unsecured Funding for Your Business Today.

Seeking a smarter way to fund your business? Our Merchant Cash Advance offers quick capital, repaid effortlessly through your daily credit card sales. Ideal for businesses needing flexible, non-traditional financing.

Get Your Free Funding Quote Today!

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Merchant Cash Advance

What is a Merchant Cash Advance?

A Merchant Cash Advance (MCA) is a popular funding alternative to traditional bank loans. Instead of fixed monthly payments, an MCA provides an upfront lump sum of cash in exchange for a small, agreed-upon percentage of your future daily credit and debit card sales. This makes it a highly adaptable financial solution, as repayments naturally fluctuate with your business's revenue. It's designed for businesses that need quick access to capital without the complexities of collateral or strict credit requirements.

Why Choose a Merchant Cash Advance?

  • No interest rates — just a simple fixed fee.
  • Flexible repayments based on your daily sales
  • Fast approval and funding
  • No need for collateral or perfect credit
  • Ideal for hospitality, retail, and service businesses

Our Main Offerings

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Unsecured Business Cash Advances

Get an advance ranging from £5,000 to £500,000, with repayments taken as a small percentage of your future debit and credit card sales.

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Instant Funding Options

We offer instant funding options, along with possibilities for renewing and topping up your funds.

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Tailored for Your Business

Our Merchant Cash Advance is designed specifically for businesses with at least £5,000 in monthly card sales, making it a perfect fit for a variety of industries.

Key Benefits of Our Merchant Cash Advance

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Cash Flow Aligned Repayments

Repayments are directly tied to your daily card sales, ensuring you pay more when business is good and less during slower periods.

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No Fixed Monthly Payments

Enjoy the flexibility of not having rigid, fixed monthly obligations, reducing financial strain.

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Fast Access to Capital

Get approved and funded quickly, often within 1-3 business days, allowing you to seize immediate opportunities.

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Unrestricted Fund Usage

Use the capital for any business need, from inventory and equipment to marketing and operational expenses.

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Bad Credit Considered

We focus on your business's consistent sales performance, making a Merchant Cash Advance accessible even with imperfect credit.

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No Collateral Required

Secure the funding your business needs with no collateral required. A personal guarantee (PG) from a director or major shareholder may apply.

Simple Steps to Your Merchant Cash Advance

1

Quick Online Application

Complete our brief and secure online form with essential business details in minutes.

2

Fast Approval Decision

Receive a clear decision on your eligibility, often within 24 hours.

3

Rapid Funding

Once approved, funds are deposited directly into your business bank account, typically within 1-3 business days.

4

Automatic Repayment

A small, agreed-upon percentage of your daily card sales is automatically remitted until the advance is complete.

Legal Notice : This landing page is operated by Pay2Day Ltd, registered in England and Wales (Company No. 12975674). All data submitted through this page will be processed in accordance with our Privacy Policy. By submitting your information, you consent to being contacted by Pay2Day Ltd regarding business funding solutions.

🚀 Apply Now & Get Funded Fast

Who Qualifies for a Merchant Cash Advance?

Most businesses that process credit and debit card payments are eligible for a Merchant Cash Advance. To qualify, your business typically needs to meet the following criteria:

  • Minimum Trading Period: At least 3 months in continuous operation.
  • Consistent Card Sales: A monthly average of £5,000 in card transactions.
  • Business Bank Account: Required for seamless fund transfers and repayments.
Eligibility for MCA

Customer Information & Support

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Dedicated Support

Our dedicated relationship managers are always available to answer any queries you may have about your funding.

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High Approval Rates

We proudly maintain a strong track record of approvals, supporting a wide range of businesses — even those with less-than-perfect credit or previous loan rejections.

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Simple Process

Our application process is straightforward, requiring no business plans or collateral, and all repayments are handled automatically.

Common Questions About Merchant Cash Advance

Q: Is a Merchant Cash Advance a loan?

A: No, it's an advance on your future sales, not a traditional loan. This means it doesn't have an interest rate, but rather a fixed factor rate.

Q: How quickly can I get funded with a Merchant Cash Advance?

A: Our process is designed for speed; funding can often occur within 1-3 business days after approval.

Q: What if my sales fluctuate?

A: The repayment model is flexible. Since it's a percentage of your daily sales, you repay less on slower days and more on busier days, aligning perfectly with your cash flow.

Q: Do I need good credit to qualify for a Merchant Cash Advance?

A: Not necessarily. Businesses with varying credit histories, focusing more on your consistent card sales volume.

Latest Insights on Merchant Cash Advance

Stay informed with the latest trends, tips, and insights about merchant cash advances in the UK market

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Ready to Get Your Merchant Cash Advance?

Don't let funding limitations hold your business back. Contact us today to explore how a flexible Merchant Cash Advance can propel your business forward. Our team is ready to answer your questions and guide you through the process.

Legal Notice : This landing page is operated by Pay2Day Ltd, registered in England and Wales (Company No. 12975674). All data submitted through this page will be processed in accordance with our Privacy Policy. By submitting your information, you consent to being contacted by Pay2Day Ltd regarding business funding solutions.

Apply for Your MCA Today!