Merchant Business Advance for UK Businesses
Unlock flexible working capital from £5,000 to £1,000,000. Repay smoothly as a small, agreed percentage of your customer card sales. No fixed monthly charges. No property collateral needed.
Business Funding Solutions Built Around Your Needs
Every UK enterprise has unique operational rhythms and cash requirements. We match your company profile with specialised commercial funding products from participating UK lenders.
Merchant Cash Advance
Access upfront capital linked to future customer card transactions with flexible repayments tailored to your trading volume.
- Stock replenishment
- Seasonal equipment upgrades
- Refurbishments & fit-outs
Unsecured Business Loans
Straightforward business loans without pledging commercial property or high-value physical assets as collateral.
- Hiring staff & team scaling
- Marketing & client acquisition campaigns
- Relocation & office moves
Working Capital Finance
Optimise day-to-day liquidity to bridge supplier payments, payroll commitments, and unexpected operational expenses.
- Bridging debtor gaps
- Early supplier settlement discounts
- Staff payroll during seasonal dips
Revenue-Based Finance
Funding linked directly to your total gross monthly revenue, ideal for subscription, digital, and modern omnichannel companies.
- Digital marketing spend
- Inventory buildup for peak quarters
- SaaS client onboarding
Asset Finance
Acquire essential machinery, transport vehicles, or commercial equipment without draining valuable cash reserves.
- Commercial fleet & van acquisitions
- Specialist plant & CNC machinery
- Kitchen & catering installations
Invoice Finance
Release up to 90% of the value tied up in outstanding customer invoices immediately upon invoice generation.
- Long corporate payment cycles
- Rapid order volume growth
- Fulfilling large B2B contracts
We also arrange bespoke terms for Secured Business Loans, Short-Term Bridging Finance, and Multi-Site Expansion Loans.
UK Commercial Finance Brokerage You Can Rely On
We connect ambitious UK business owners with leading alternative lenders. Transparent advice, rapid turnarounds, and tailored funding options.
Independent Panel
Access 50+ vetted UK lenders to secure competitive factor rates and terms.
Decisions in 24 Hours
Streamlined digital application with funds released in 24 to 48 hours.
Zero Upfront Fees
Completely free service for applicants. We receive commission from lenders.
Dedicated Specialist
Direct personal support from application submission through to payout.
Your Route to Business Funding in Four Simple Steps
We have streamlined the enquiry journey so you can focus on running your business while our UK specialists connect you with suitable lenders.
Tell Us About Your Business
Complete our quick online enquiry form or speak with a funding specialist. Provide basic details about your average revenue, trading history, and funding goal.
Discuss Suitable Options
A dedicated UK finance specialist reviews your requirements and identifies viable alternative finance solutions from our network of participating lenders.
Review Available Lender Offers
Receive transparent terms, repayment schedules, and cost summaries from matched lenders. You evaluate and choose the package that aligns with your strategy.
Complete Funding with Lender
Once you accept the lender's offer, you finalise standard compliance checks directly with the lender to receive funds into your UK business bank account.
Explore Your Business Funding Requirements
Adjust your estimated funding amount and monthly turnover to see an illustrative breakdown of how alternative finance and merchant cash advances can work.
Your Business Parameters
Select your requested funding requirement and recent trading volumes.
Your Funding Enquiry Summary
IllustrativeTakes 2 minutes • No upfront broker fees • No credit footprint check
How a Merchant Cash Advance Works
Repay proportionately as your customers spend. A modern, cash-flow friendly alternative to rigid bank loans.
Automatic Daily Split (10% - 15%)
A small percentage of each card transaction repays the advance automatically. Busy days clear more; slow days reduce repayments.
100% Unsecured Facility
No physical asset collateral or commercial property charges required. Secured purely against your future card receivables.
Fixed Cost — No Compounding Interest
One transparent fixed fee agreed upfront. Zero late payment penalties or compounding interest spikes.
Supporting Ambitious Businesses Across the UK
Different sectors operate on vastly distinct cash flow dynamics. We connect your enterprise with alternative finance facilities designed specifically for your industry's operating model.
High street, boutique & retail chain funding
Finance for stock procurement, seasonal buying cycles, store refits, and multi-location retail expansion.
Commercial kitchens, dining rooms & coffee houses
Capital for commercial catering equipment, interior renovations, staff recruitment, and winter-summer cash bridges.
Hotels, guest accommodation, pubs & venues
Tailored liquidity for guest room refurbishments, booking season preparations, licensing, and facility upgrades.
Online retailers, D2C brands & marketplace sellers
Flexible capital to ramp up Q4 digital marketing, secure bulk inventory discounts, and scale warehouse logistics.
Contractors, subcontractors & building firms
Support heavy plant hire/purchase, manage staged-contract cash flows, and bridge subcontractor payroll lags.
Dental practices, private clinics & care homes
Fund state-of-the-art diagnostic medical gear, clinic premises acquisitions, compliance upgrades, and expansion.
Find a Funding Option That Fits Your Business
No single finance product is universally superior. The ideal option depends on whether your revenue is card-driven, invoice-based, asset-heavy, or seasonal.
| Funding Type | Typical Purpose | Repayment Structure | Security Requirement | Cost Structure | Key Eligibility |
|---|---|---|---|---|---|
| Merchant Cash Advance | Stock, renovations, seasonal bridging, cash flow buffer | Flexible percentage of card sales (daily/weekly) | Unsecured (no physical property required) | Fixed factor fee agreed upfront (no compounding interest) | £5,000+ monthly card receipts, 3+ months trading |
| Unsecured Business Loan | Growth capital, hires, marketing, general corporate use | Fixed monthly instalments over 6 to 60 months | Unsecured (personal guarantee may apply) | Fixed or variable APR / interest rate | £10,000+ monthly revenue, 6+ months UK trading |
| Working Capital Finance | Managing supplier bills, payroll timing, short-term liquidity | Flexible drawdowns or 3-12 month term repayment | Typically unsecured or floating charge | Facility fee plus interest on drawn funds | Demonstrable ongoing trading revenue & cash flow |
| Invoice Finance | Unlocking working capital locked in unpaid B2B invoices | Repaid when your corporate clients settle their invoices | Secured against the debtor book / accounts receivable | Discount fee (% of invoice) plus service charge | B2B businesses invoicing customers on 30-90 day credit |
| Asset Finance | Purchasing or leasing machinery, vehicles, and equipment | Fixed monthly lease or hire purchase payments (1-5 years) | Secured primarily against the asset being financed | Interest rate structured into fixed monthly rentals | Viable UK business acquiring commercially useful assets |
What Business Owners Say About Working With Us
Real perspectives from UK directors and entrepreneurs who have navigated alternative business finance with our assistance.
"The flexibility of a merchant cash advance allowed us to refit our bistro's kitchen ahead of the busy festive trade without tying up our overdraft. Repayments fluctuated naturally with our card sales."
Verified UK Hospitality Client
Managing Director, Independent Bistro • Manchester, UK
Representative client case illustrations. Formal testimonials are published following verified authorization in accordance with UK financial promotions guidelines.
Your Business Finance Questions Answered
Everything you need to know about commercial brokerage, eligibility requirements, and repayment mechanics.
A business finance broker acts as an intermediary between your business and a panel of commercial lenders. Rather than spending weeks contacting multiple banks and alternative finance providers individually, a broker assesses your requirements and introduces you to suitable lenders offering products matching your operational profile and cash flow needs. Merchant Business Advance is a commercial finance broker, not a direct lender.
Have a question not addressed here?
Our UK finance specialists are available during business hours to discuss your commercial circumstances and explain lender criteria without obligation.
Ready to Explore Your Business Funding Options?
Speak with Merchant Business Advance about finance solutions that may suit your business.
Free no-obligation enquiry • Soft search check • Direct UK specialist advice