5 Star reviews on Trustpilot and Google
Advance £5k – £1m and pay back through future card sales
Unlock working capital quickly without the stress of fixed monthly repayments — you only pay back as you earn.
Use the advance to recruit staff, boost marketing, or expand your operations, with repayments linked directly to sales performance.
Invest in new equipment, training, or technology upgrades while keeping repayments aligned with your income.
Easily secure the inventory or supplies you need to keep up with customer demand and avoid business interruptions.
Prefer to talk? Contact us today on 01908 880420
Accessing business finance doesn’t need to be complicated or time-consuming. We put you in front of multiple lenders to bring you fast, flexible solutions that meet your finance needs.
Submit basic information about your business and your requirements, you can do this either online or by calling us on 01908 880420.
Once you have accepted, and completed the paperwork of your preferred offer, funds can potentially be with you on the same day (subject to lender and product).
Prefer to talk? Contact us today on 01908 880420
If you need immediate access to finance our team will work to your brief, providing a same day decision, with finance in your account on the same day (subject to product and lender).
We have access to some of the UK’s leading finance providers, who can offer you some very competitive rates for your finance needs. Contact us to discuss your requirements.
We don’t use a scattergun approach, Understanding your finance needs allows us to approach the right lenders on our panel, which means you will not be hit by multiple credit searches.
We don’t charge for searching for your finance. We only earn if you choose a finance package that you are happy with, therefore our sole focus is finding finance that meets your needs.
We are happy to talk to everyone involved, including your accountant, IFA or solicitor to make sure we are all working together, or to request information, taking the hassle off your shoulders.
No upfront broker fees
Access to over 100 market leading lenders
Funding for almost any purpose
We are continually reviewing funding providers to bring you choice, competitive rates and flexibility, allowing you to access the right finance, at the right time.
Most importantly, we are passionate about what we do. This is evident in our enthusiasm and commitment to assisting you at each stage, and after you have secured your finance.
A merchant cash advance (MCA) is essentially an agreement where a funder purchases your business’s future card sales and advances you a sum equivalent to 100% – 200% of your average monthly card revenue.
In this arrangement, the funder sets a fixed finance cost and an agreed percentage split of future card takings.
This cost remains unchanged throughout the contract and is paid back from the % of card sales over a designated period.
One of the key attractions of an MCA is its flexibility: if your business faces a sudden slump, you’re not penalised.
Conversely, as your business flourishes, you can repay the advance more swiftly.
The Funding Store can be your trusted destination for sourcing competitive business finance.
Our team collaborates with a broad panel of esteemed lenders offering a variety of finance solutions.
We can assist you in identifying a financial solution that caters to your unique needs.
Therefore, it is viewed as an excellent unsecured short-term funding solution, especially for businesses with high transaction volumes or seasonal operations.
A merchant cash advance (MCA) is a business finance solution where a funder provides an advance amount based on your business’s future card sales.
This advance ranges between 100% to 200% of your average monthly card income, making it a flexible funding option that aligns with your business cash flow.
The cost of a merchant cash advance varies and depends on several factors, including your business’s financial health, the amount you’re borrowing, and the term of the advance.
Rather than a typical interest rate, an MCA uses a factor rate, typically ranging from 1.1 to 1.5. For example, a £10,000 advance with a factor rate of 1.25 would cost £12,500 in total to repay.
Yes, a merchant cash advance is a safe funding option for businesses. However, it’s crucial to understand the terms and ensure your business can sustain the percentage of card sales committed to repayments.
To ensure safety, it’s recommended to work with a reputable commercial finance broker like The Funding Store. We have access to one of the most extensive and competitive lending panels in the UK, so can bring you fast, flexible solutions that meet your finance needs.
The requirements for an MCA typically include proof of regular card transactions, as the advance is based on your future card sales.
You’ll need to demonstrate a minimum of 3 months trading and a minimum turnover of £5k per month through card terminals.
Merchant cash advances do not necessarily hurt your credit score. They are not traditional loans and repayments are based on your card sales.
However, like any financial commitment, it’s essential to manage the agreement responsibly to maintain a healthy credit status.
No, a merchant cash advance is not a traditional term loan. It’s a type of funding where you receive an advance on your future card sales.
Unlike a loan, it doesn’t have a fixed repayment term. The repayments fluctuate in line with your business’s card sales.
With a merchant cash advance, you can typically borrow between £5k to £1m.
The exact amount you can borrow is primarily determined by your average monthly card sales. A higher volume of card transactions can potentially lead to a higher advance amount.
Incorporating a merchant cash advance into your business finance strategy can provide the flexibility you need to manage cash flow and fuel growth.
As with any financial decision, understanding the pros and cons is key to making the right choice for your business. The Funding Store suggest that you always seek independent financial advice before proceeding with any funding offer.
A merchant cash advance from a reliable provider like The Funding Store can be an excellent tool for businesses looking to manage their cash flow effectively while investing in growth and opportunities.
Now that you’ve acquainted yourself with the ins and outs of a merchant cash advance, you might be wondering if it’s the right move for your business. To help you decide, here are a few considerations:
If after considering these points you feel an MCA could be beneficial, The Funding Store is ready to assist you.
We have a team of professionals who can guide you through the process, answer your questions, and help you source a finance solution that meets your business needs.
So why wait? Connect with The Funding Store today on 01908 880420 to discuss your funding options, or request a call back at your convenience. Together, we can navigate the path to optimised business finance.
If your business takes regular card payments, a Merchant Cash Advance can give you fast, flexible funding that grows with your sales. At The Funding Store, we make it easy to access working capital without the pressure of fixed monthly repayments.
Applying is simple — just complete our quick online form, and we’ll connect you with trusted lenders offering Merchant Cash Advance solutions tailored to your turnover. Repayments are automatically taken as a small percentage of your daily card sales, so you only pay back when your business earns.
Our process is straightforward — apply online, get tailored offers, and once approved, receive funds in just a few days. With no fixed terms, no hidden fees, and repayments linked to your sales, it’s one of the most flexible ways to fund your business.
