Merchant Cash Advances
Fast, flexible funding tied to your card sales — perfect for seasonal or fast-moving businesses.
A Merchant Cash Advance gives you quick access to capital, with repayments taken automatically as a small percentage of your daily card revenue. There are no fixed monthly payments — you repay more when trade is strong and less when it's quieter.
What Is a Merchant Cash Advance?
An MCA is an advance of capital based on your recent card-terminal takings. Instead of paying a fixed monthly amount, you repay via a small percentage of each card transaction until the balance is cleared.
Who It's For
Retail & Shops
High street stores and boutiques with consistent card turnover.
Hospitality
Cafés, takeaways, restaurants and bars with regular card payments.
Service-Based SMEs
Salons, barbers, repair shops and service providers.
Newer Businesses
Strong card turnover and trading performance qualify for quick funding.
Typical Terms
Advance
£3,000 — £500,000+
Repayments
% of daily card sales
(automated)
Speed
24–48 hours
Security
Unsecured facility
Renewals
Available after partial repayment
Common Use Cases
Working Capital
Quick funds to manage cashflow and day-to-day operations.
Refurbishments
Upgrade premises, equipment or interiors without lengthy approval.
Growth & Expansion
Stock purchase, staffing and expansion opportunities.
Seasonal Support
Flexible repayments matching seasonal demand patterns.
Real-World Example
A busy takeaway used an MCA to upgrade equipment before a peak season. Approval within 48 hours allowed them to operate more efficiently and handle higher demand.
Need quick capital without fixed repayments?
Let's discuss your card turnover and find the right MCA solution for your business.
Check EligibilityWhy BridgFunder London?
- Access to leading UK MCA providers
- Clear explanation of structure and fees
- Fast decisions (often same day)
- Straightforward, practical support