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.
Whether you’re covering a short-term cashflow gap, jumping on an unexpected opportunity, or navigating a bump in the road, repayments work with your revenue, so you’re not tied to rigid terms.
Here at Phoenix Commercial Finance, we work with UK businesses of all sizes: from independent retailers to established companies – we also support limited companies, sole traders, partnerships, and franchises.
If your business needs a quick injection of working capital, our team can help you secure a tailored solution that fits your revenue and cash flow. If you’d like to speak to one of our experts about a business cash advance, 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 Merchant Cash Advance) is a funding solution that allows you to borrow against your future card sales. So, instead of fixed monthly repayments, the advance is repaid automatically as a small percentage of your daily card transactions, meaning payments rise and fall in line with your business income.
A business cash advance is ideal for businesses that take regular card payments, such as retailers, restaurants, cafés, salons, and service providers, who want to access working capital without taking on long-term debt.
Share details about your business turnover and card sales. We’ll quickly assess your eligibility and provide indicative terms.
Once approved, your advance is based on your average monthly card takings - typically between 75% and 150% of that value.
Funds are transferred directly to your business account, usually within 24–48 hours of approval.
A small, agreed percentage of each day’s card sales goes toward repaying the advance.
Funding can often be released within 1–3 days of approval.
Repayments are linked to your card sales, easing cash flow pressure during quieter periods
Borrow from £5,000 to £300,000, depending on your average card turnover
Advances are unsecured, meaning no property or assets are at risk
Payments flex with your revenue, making it ideal for businesses with variable income
Cover stock, equipment, marketing, refurbishments, or expansion
Here at Phoenix Commercial Finance, we work with a wide network of UK merchant cash advance providers to find the right funding structure for your needs.
We will ensure repayments move with your sales, not against them we outline all costs clearly, so you always know what you’re paying.
Apply for a Merchant Cash Advance Today or talk to one of our team by contacting us on WhatsApp or completing our no-obligation quick enquiry form.
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.