Cash advances for UK fashion retailers.
For boutique, department, multi-brand, and own-label clothing retailers. Funded against your card takings. Built for operators who buy six months before they sell.
What MCA means for a clothing or fashion retailer.
Fashion retail has the worst cashflow timing in retail. You commit to spring/summer stock in September, autumn/winter in March. Deposits go out six months before the first sale. Meanwhile last season's stock is on the floor still selling through. Card takings fund the business, most fashion is card-paid now, whether in-store or online through Shopify, Wix, or a marketplace. MCA fits because it bridges the buy-to-sell gap better than any other product. Repayment flexes with seasonal trade, fast through autumn and Christmas, slower through spring discounting, faster again through summer. Classic MCA uses: new season stock buys, shopfit refurbs, online store launch, visual merchandising, sample sale or pop-up funding.
Sound familiar?
Next season's stock order is due and you haven't fully sold through last season.
£15k to £60k of supplier deposits for the new season collection. Your stockroom is still full of last season.
MCA covers the deposit gap. Sell-through of remaining stock plus new season takings both contribute to repayment. Classic retail cycle funding.
You want to open an online store or upgrade your platform.
Shopify Plus setup, photography, platform migration, content creation, launch marketing, £8k to £25k of investment before online takings start flowing.
MCA funds the launch. Online takings are typically the fastest-repayment channel because card volume flows directly into your existing card data.
Shopfit refresh needed to stay competitive.
New displays, lighting, flooring, fitting rooms, £10k to £40k of refit spend. Better space lifts conversion rate and average ticket.
MCA timed to a shoulder period (Jan-Feb or July). Refreshed space drives a measurable uplift post-reopening. Repayment follows the uplift.
Here's what it actually costs.
An independent womenswear boutique borrows £20,000 for an autumn/winter stock buy. Monthly card takings: £32,000. £20,000. Average monthly card takings £32,000. Fixed cost 1.25. 13% daily repayment % on card sales, total cost £5,000.
These figures are illustrative. If a term loan or asset finance fits your situation better, we'll tell you.
Open the fixed cost calculator →Work out the real cost.
New businesses typically start at a higher daily % and a shorter term.
Illustrative only, not a quote.
- Advance£20,000
- vs card takings63%
- Fixed cost1.25
- Daily repayment£137
- Avg monthly£4,160
- Est. term6.0 months
Illustrative. The fixed cost is set on day one; daily repayment varies with takings. Term capped at 18 months.
Illustrative only, not a quote. Every figure here is subject to the funder. Funders advance anywhere from 100% up to 150% of monthly card takings, so 150% is not guaranteed, and the fixed cost is not guaranteed either. Your actual advance, fixed cost and terms depend on the funder and your business profile.
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£25,000 funded AW stock and an online launch, repaid by February.
Illustrative composite. Single-site menswear, £28k/mo card takings mixed in-store and early online. MCA at 1.24 factor, 12% daily repayment. Stock delivered September, online launched October, Black Friday drove strong online conversion, advance repaid through Christmas peak trading.
Illustrative composite scenarioClothing & fashion retail, quick answers.
Wholesale revenue paid by bank transfer doesn't feed MCA capacity. Retail card takings do. If wholesale is your main channel, MCA isn't the right fit, speak to Funding Flow about invoice finance instead, which is built for wholesale trade.
Funding options for clothing & fashion retail
Clothing and fashion retailers take most revenue on card across till, online, and POS-anywhere terminals. A merchant cash advance (MCA), sometimes called a PDQ cash advance or card machine loan, uses that combined card flow to fund stock, refit, or marketing for new ranges. Repayments scale with daily takings. Advances from £10,000 to £1,000,000. See PDQ cash advance →
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