Flexible Funding That Grows With Your Sales
Say goodbye to rigid monthly repayments. With a Merchant Cash Advance, you repay a small percentage of your future card terminal or online sales. You pay back more when you’re busy and less when things slow down. Check your eligibility in seconds for a funding solution that breathes with your business.
£1M
Max advance
24-48h
Typical decision
0
Fixed monthly payments
At a glance
Merchant cash advance: the short answer
A merchant cash advance (MCA) is an upfront sum repaid as a fixed percentage of a business's future card and online sales, so repayments rise in busy periods and fall when trade is quiet. It is priced with a factor rate rather than APR: a factor rate of 1.3 on £20,000 means £26,000 is repaid in total. Creditify compares MCA offers from £5,000 to £1,000,000 for UK businesses with regular card takings, with decisions typically in 24 to 48 hours.
Last reviewed . Figures are indicative and depend on eligibility, lender checks and final terms.
- Advance amount
- £5,000 to £1,000,000
- Repayment
- A fixed % of future card and online sales
- Pricing
- Factor rate, commonly 1.2 to 1.4
- Decision
- Typically 24 to 48 hours
- Fixed monthly payment
- None
- Best for
- Hospitality, retail and e-commerce with steady card sales
Why MCA fits modern businesses
Built for retail, hospitality, e-commerce and any business with regular card or online sales.
Flexible Repayments
A small, agreed percentage of your daily card or online sales—no fixed monthly bill.
Pay More When Busy
High-revenue days clear the advance faster, so good months work in your favour.
Less When Things Slow
Quiet periods take less out of cash flow. Repayments breathe with your business.
Eligibility in Seconds
Quick eligibility check with no impact on your credit score.
How it works
01
Share your monthly card turnover
A few details about how you trade is all we need to start matching.
02
We match you with MCA specialists
Compare offers from UK lenders that fit your industry and revenue profile.
03
Repay automatically as you trade
A small % of card sales is collected daily until the agreed amount is repaid.
Estimate your merchant cash advance
Move the slider with your typical monthly card sales for an instant indicative MCA range. Repayment is a small percentage of card or online sales, not a fixed monthly bill.
Your Funding Range
Minimum
£21,000
Typical Amount
£32,375
Maximum
£43,750
Better rates than going direct
Our broker relationships secure preferential rates that aren't available through direct applications. Average 15-25% cheaper factor rates.
* This is an estimate only. Actual funding amount depends on your business profile and lender approval. Representative example: £20,000 advance with 1.4 factor rate = £28,000 total repayment. 15% of card sales = ~9 month term.
"Mid-week trade is always quieter than weekends, so a fixed monthly loan would have squeezed us. With an MCA the repayments flex with our card sales and we refit the kitchen pass without losing sleep on the slow nights."
Daniel Hayes
Owner, Hayes & Sons Bistro, Manchester
£45K
Cash advance
8%
Of card sales
48h
To funding
Ready when you are
Ready to compare funding? Let's talk.
Get a free, no-obligation quote and see which UK funding routes may fit your business.