Ideal for businesses that take regular card payments, a business cash advance (or merchant cash advance) from Phoenix Commercial Finance gives you fast access to working capital when you need it most.
Repayments are tied to your revenue rather than a fixed monthly amount. So, whether you’re covering a short-term cashflow gap, seizing an unexpected opportunity, or need to navigate a bump in the road, repayments work with your revenue, so you’re not tied to rigid repayment terms.
Here at Phoenix Commercial Finance, we work with UK businesses of all sizes, from independent retailers and franchises to limited companies, sole traders and partnerships, arranging business cash advance solutions tailored to your turnover and cash flow.
If you’d like to speak to one of our experts about business and merchant cash advances, send us a message on WhatsApp or fill in our no-obligation enquiry form – we’re happy to help.
A business cash advance (also known as a merchant cash advance) is a funding solution that allows you to borrow against your future card sales.
Repayments are made automatically as a small percentage of your daily card transactions, so they rise and fall in line with your income. Busy periods pay it down faster, quieter periods ease off naturally, without you having to think about it.
Some providers refer to this as a loan on card machine, reflecting the fact that funding is based on the volume of transactions processed through your terminal rather than a credit assessment in the traditional sense.
Merchant cash advances in the UK work particularly well for retailers, restaurants, cafés, salons and other service providers – essentially, any UK business that takes regular card payments and wants access to working capital without committing to long-term debt or rigid repayment schedules.
Merchant cash advance lending is designed to be simple and fast – here’s how it works:
Share details about your business turnover and card sales. We will quickly assess your eligibility and match you with suitable merchant cash advance lenders from our panel.
Your merchant cash advance is based on your average monthly card takings - typically between 75% and 150% of that figure, so the offer reflects your actual business performance.
Funds are transferred directly to your business account, usually within 24 to 48 hours of approval. For business owners who need quick access to capital, it is one of the fastest funding routes available
A small, agreed percentage of each day's card sales is collected automatically toward repaying the advance, keeping repayments aligned with your revenue at all times, with no manual payments to manage.
Funding can often be released within 1 to 3 days of approval, making merchant cash advance lending a popular choice for businesses that require quick working capital.
Repayments are linked to your card sales, easing cash flow pressure during quieter periods.
Borrow between £5,000 to £300,000, depending on your average card turnover.
Most merchant cash advance loans are unsecured, meaning no property or business assets are required as security.
A merchant cash advance UK solution allows repayments to flex with revenue, making it ideal for businesses with seasonal income.
Funds can be used for stock purchases, marketing campaigns, refurbishments, equipment, or expansion plans.
We work with a wide network of specialist merchant cash advance lenders across the UK, comparing multiple options on your behalf to make sure you get the most suitable terms.
Whether you need a business cash advance, an MCA loan, or a structured merchant advance, our team will help you secure the right solution.
If your business accepts card payments and needs flexible working capital get in touch with our team today.
Whether you need a straightforward business cash advance, an MCA loan, or a more structured merchant advance facility, we will find the right fit and get it moving quickly.
Contact us on WhatsApp or complete our quick no-obligation enquiry form and we'll get back to you promptly.
In many cases, funds can be released within 24–48 hours of approval. We’ll always aim to move as quickly as your business needs.
You can typically access between £5,000 and £300,000, depending on your average monthly card takings.
Most providers look for at least six months of trading history and a regular volume of card transactions, usually £5,000+ per month.
No property security is required. Some lenders may request a personal guarantee depending on the business structure and amount borrowed.
Repayments are taken automatically as a fixed percentage of your daily card sales, so they flex naturally with your income.
Yes. The funds can be used for almost any business purpose, including working capital, marketing, stock, tax bills, or expansion.
Yes. An MCA can sit alongside other finance arrangements, depending on your turnover and existing commitments.
Yes. Many lenders now support both physical card terminals and online payment gateways.
A traditional business loan has fixed repayments, while a merchant cash advance links repayment directly to your sales, so there’s no fixed repayment schedule.
Credit history plays a smaller role in MCA decisions than traditional lending. Lenders primarily assess your business’s card sales performance.