Your card takings can fund more than you think

When a merchant cash advance is the right tool

If you run a cafe, a salon, a bar or a shop, most of your income lands through the card machine. That is exactly what a merchant cash advance is built around. You raise funds against future card takings, and repayment flexes with your daily sales, so a quiet Tuesday costs you less than a busy Saturday. For a card-led business that wants funding without a rigid monthly repayment, it is hard to beat.

When invoice finance fits better

If a real chunk of your income arrives as invoices to other businesses rather than card payments, releasing the cash from those invoices may serve you better than borrowing against takings. That is what our sister brand does. Take a look at Invoice Financing, which releases up to 90% of an unpaid invoice, often within 24 hours.

When the pressure is a tax bill

Sometimes the squeeze this quarter is a VAT or tax bill rather than day to day cash flow. Spreading that bill can be the cleaner move than raising funds against takings. Our sister brand Tax Bill Loans handles exactly that, keeping the current account intact while the bill is paid over a few months.

When you are not sure

If you are not certain which of these fits, the parent brand looks at the whole picture and compares 50+ lenders across every product. Start with Funding Flow and a broker will point you to the right part of the family.

Same family, straight answers

A merchant cash advance might be perfect for you. If it is not, we will tell you, and point you to the part of the family that is. It is the same team and one application either way. Check what you could raise. Every figure is subject to the funder.