Merchant Cash Advance for UK SMEs
Looking for flexible business funding that adjusts with your cash flow? A merchant cash advance (MCA) could be the solution. Instead of fixed monthly repayments, an MCA allows you to repay a lump sum advance through a set percentage of your daily or weekly card sales.
That means you repay more when sales are strong, and less when things are quieter, giving your business breathing room to grow without the pressure of fixed instalments.
What is a merchant cash advance, and how can it be used?
A merchant cash advance provides your business with an upfront lump sum of unsecured funding, calculated from your average monthly card takings. Instead of fixed instalments, repayment is made through an agreed percentage of your daily or weekly card sales until the total is settled.
This flexible repayment method means you contribute more when sales are strong and less when trade slows, helping you better manage your cash flow.
Let’s say your business takes around £30,000 per month in card payments, and a lender offers you a £20,000 merchant cash advance. Rather than paying a fixed amount each month, you agree to repay a set percentage of your daily card revenue, for instance, 8%.
If you process £1,200 in card transactions on a busy day, £96 would go toward repayment. On a quieter day with £500 in sales, the repayment would be just £40. This flexible structure means your repayments adjust in real time with your turnover, helping you manage cash flow more effectively.
Why choose Prospera Funding for a merchant cash advance?
Full access to UK lenders
Access tailored business finance from £5,000 to £25M, with rates from 4.5%. Prospera Funding connects UK SMEs with both traditional and alternative lenders for flexible, fast business finance solutions.
Protecting your credit
We prioritise protecting your credit score by leveraging our lender network and industry expertise to assess your funding options without formal applications or credit checks.
Fast decisions
Our lenders offer faster funding than traditional bank loans, ideal for businesses needing quick access to working capital, cash flow, or growth. Decisions and funds in as little as 24 hours.
Transparent costs
You know your business best, and whether business finance makes sense to achieve your goals. At Prospera Funding, we simply present the best funding options, fully explain the costs, and let you decide. No risk, no commitment, and no broker fees.
Industry specialists
Our business finance specialists have expert knowledge and proven experience across multiple industries, ensuring tailored funding solutions aligned with your business goals.
Flexible options
Our lenders provide flexible loan terms, repayment options, and requirements, helping businesses find funding that aligns with their goals
Aftercare support
With expert finance specialists and a vast lender network, we deliver tailored business funding solutions and ongoing support, ensuring your company always has access to the most cost-effective finance options on the market.
Industry compliant
We work with FCA-regulated lenders and ensure full compliance with all industry rules and regulations.
Merchant Cash Advance Calculator, Estimate Your Monthly Costs
Rate from 4.5%, loans between £5,000 to £25,000,000.
360 overview of the whole UK lending market, all types of legal businesses considered.
Fast decisions, funding from as quickly as 24 hours.
No cost, risk or commitment...and no credit searches.
How to apply for a merchant cash advance
We make business funding fast, simple, and tailored to you. Our advanced platform intelligently matches your business with the most relevant finance solutions from a wide panel of UK lenders. Whether you’re expanding, managing cash flow, or investing in growth, we’re here to help you access the funding you need, without the hassle.
Get funded in 3 easy steps
1. Tell us your merchant cash advance needs
Let us know how much you’re looking to borrow, what it’s for, and a few key details about your business. No lengthy forms, just straightforward questions.
2. Review merchant cash advance loan options
We scan over 120 trusted lenders to deliver options tailored to your specific funding needs at the best rates you are eligible for.
3. Receive your merchant cash advance loan within 24 - 48 hours
Once you’ve chosen the best option, we’ll support you through the application, right through to the funds landing in your account.
