Merchant Cash Advance

Repay as You Earn. Fund as You Grow.

Fast-access funding based on your future card sales. Payments rise and fall with your daily takings, rather than a fixed monthly amount.

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About Merchant Cash Advance

What is a merchant cash advance?

A Merchant Cash Advance (MCA) provides fast-access funding based on your future credit and debit card sales. Unlike a traditional loan with fixed monthly payments, an MCA is repaid through a small percentage of your daily card turnover, meaning payments rise and fall in line with your revenue.

This structure offers exceptional flexibility for businesses with strong card transaction volumes, particularly in retail, hospitality and e-commerce.

Adviser tip. Lenders assess affordability differently depending on your sector and trading history. A short conversation with an adviser upfront can save time by pointing you straight towards lenders likely to say yes.

Key Features

What you can expect

The headline terms currently available through our merchant cash advance panel.

Funding Amounts

£5,000 to £500,000, sized to your typical card turnover.

Repayment Structure

A fixed percentage of daily card receipts, typically 5% to 20%.

Approval Timeline

Funds are often available within 24 to 48 hours of approval.

No Fixed Term

Repayment period varies based on your actual trading volumes, not a set schedule.

How It Works

Four Clear Steps to Your Funding

We handle the complexity so you can focus on running your business.

Tell Us Your Need

Share your funding requirement and an idea of your typical monthly card turnover.

Advisor Assessment

A dedicated adviser reviews your card receipt history and sector to identify suitable providers.

Matched Solutions

We present offers with the factor rate and repayment percentage clearly explained.

Funding Secured

Once approved, funds can often reach your account within 24 to 48 hours.

Is This the Right Fit?

When to consider a merchant cash advance

This facility is particularly advantageous for businesses that:

Have a high volume of card transactions but fluctuating daily revenue

Require rapid access to working capital for stock, refurbishment or marketing

Prefer a repayment structure that adapts to trading performance

May not meet the credit criteria for traditional bank lending

Suitability depends on your card turnover history and sector. Speak to an adviser for guidance specific to your business, there's no obligation.

Cost and Affordability

How the cost of an MCA works

We believe in clear, upfront communication about how this product is priced.

Factor Rate, Not Interest

An MCA isn't an interest-bearing loan. Instead, a factor rate (or purchase fee) is applied to the advance amount.

Modelled on Your Turnover

We model projected repayments against your historic card turnover before you commit to anything.

Full Cost Transparency

We explain the total cost of the facility clearly, so you have full visibility before proceeding.

Why Choose Nexora

Matched to Your Trading Pattern.

We assess your card receipt history, sector and funding requirement to match you with the most suitable provider from our specialist panel, then negotiate on your behalf and stay available throughout the repayment period.

Advisor-Led Approach

A dedicated adviser guides you personally, not an automated system.

Honest, Clear Guidance

We explain the trade-offs plainly, including where a product isn't the right fit.

Fast, Confidential Process

We respect your time and privacy throughout the enquiry.

No Obligation

Initial advice is free, with no pressure to proceed.

Speak to an Advisor

Free consultation. No obligation. No hidden fees.

FAQs

Merchant cash advance questions we're asked often

Not in the traditional sense. Rather than charging interest, providers apply a factor rate to the amount advanced, then take repayment as a percentage of your daily card sales.

Explore other funding routes

A merchant cash advance isn't the right fit for every situation. Here are other options worth considering.

Ready When You Are

Find Out If an MCA Is Right for Your Business

Talk to our commercial finance advisers today. It's free, confidential and with no obligation.