Meet Flo. Your MCA specialist, on call.
Flo is a purpose-built AI assistant for UK merchant cash advance. Ask about fixed costs, eligibility, sector-specific questions, or how MCA compares to a term loan. Trained on UK commercial lending, not a generic chatbot.
What Flo is good at.
Sector fit
Ask whether MCA suits your specific sector. Flo knows the sectors we cover and will tell you when something else is likely cheaper.
Fixed cost explanation
Paste a quote. Flo will break down what you're actually paying and whether it's competitive for your sector.
Eligibility check
Trading months, card volume, credit history. Flo will tell you if you're borderline and what to do about it.
Comparisons
MCA vs term loan vs asset finance vs invoice finance. Flo will walk you through which fits your situation, honestly.
Application prep
What documents lenders want, what to watch for in a contract, personal guarantee questions, common rejection reasons.
Second opinions
Already got a quote from another broker? Flo will sanity-check it and flag anything that looks off.
Try it now.
Flo is an AI assistant. It gives general information, not financial advice. For anything material, speak to a human at hello@merchantbusinessloans.co.uk.
Example questions operators ask Flo.
Privacy and trust.
No sign-up, no data capture
Flo works without requiring your email or any details. Conversations are kept for 30 days for quality monitoring then deleted. We don't sell or share conversations with third parties.
Not financial advice
Flo provides general information only. It doesn't give personalised financial advice. MBL is a commercial finance broker, operating in the commercial finance space by design.
Powered by Anthropic
Flo runs on Claude by Anthropic, a leading AI model. Conversations are processed in the UK or EU where available. We don't use your conversations to train models.
Ready to see real numbers?
Start a conversation with Flo for free, or go straight to Quick Apply and we'll come back within a working day.