Home - Merchant Cash Advance
Merchant Cash Advance
At Quick Business Funds, we help UK businesses access working capital without the hurdles of traditional bank loans. Our merchant cash advance loans provide quick access to business capital, with repayments linked directly to your card sales.
Whether you run a café, salon, retail shop, or professional practice, our funding is designed to keep your cash flow healthy while you focus on growth.
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Fast, Flexible Funding for Your UK Business
How Our Merchant Cash Advance Works
Step 01
Apply
Share 3 months of bank or card processing statements online.
Step 02
Approval
Share 3 months of bank or card processing statements online.
Step 03
Funding
Receive from £3,000 up to £500,000 straight into your account.
Step 04
Repayment
A small % of daily or weekly card sales is automatically deducted
This card sales-based repayment model means repayments are always in line with your income – ideal for merchant cash advances for seasonal businesses.
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No collateral required
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Options for merchant cash advance no credit check
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Simple, transparent costs
Check Eligibility Now
Why Choose Quick Business Funds for Merchant Cash Advances for Seasonal Businesses
We’re one of the best merchant cash advance providers in the UK, trusted by small businesses across different industries for growth funding. Here’s why business owners choose us:
Fast approvals business funding
Apply online – funding in 24–48 hours
Flexible repayment solutions
Payments adjust with your sales, not fixed instalments
Support for all credit backgrounds
We assess your business health, not just your credit score
Cash flow-friendly finance solutions
Keep your working capital intact during quieter trading periods
Experience across industries
From restaurants to retail, professional services to healthcare practices
Funding Designed for Growth
With a merchant cash advance loan from Quick Business Funds, you can invest in your business without putting pressure on your cash flow. Our funding advisors work with you to create a short-term working capital support plan tailored to your goals. Popular uses include:
Expanding Marketing Campaigns
The intensive promotion can make your business, but the campaigns have initial investments. Using a merchant cash advance, you have an opportunity to advertise, enhance your online presence, or conduct local promotions without the need to deplete your working capital. Since repayment is pegged on sales, the marketing that you do can fund itself because it creates new sales.
Buying Inventory In Bulk
Suppliers usually give discounts to stock up in advance of high demand. Our merchant cash advance loans provide you with the immediate cash to buy inventory or raw materials in large quantities, so that you do not miss out on any business and enjoy very good profit margins. This renders MCAs particularly convenient to retailers and restaurants that are planning their seasonal periods.
Technological/Equipment Upgrade
This is because old systems can stagnate your business. Merchant cash advance company offers you the business capital that you need within minutes to remain competitive, whether it has to do with investing in new point-of-sale systems, upgrading machinery, or the latest software. Flexible repayments imply that you can make the cost affordable in accordance with your income.
Hiring And Training Staff
Expanding businesses have the need to increase their staff promptly. Whether you are onboarding seasonal employees or investing in the training and development of the staff, a merchant cash advance takes care of the expenses of your wages and training investment in the early years. This allows you to build capacity without having to work on your cash flow.
Capturing Seasonal Opportunities
Numerous UK companies have growth pegged on the summer holiday, Christmas shopping, or Valentine's Day. A merchant cash advance suits well with seasonal companies, where the payment increases and decreases depending on the turnover. You receive the working capital that you require temporarily to meet high-demand seasons, but are not bound to the strict repayments in the lean periods.
Merchant Cash Advance Rates and Costs Explained – Factor Rates vs Traditional Interest
Advance Amount
£20,000
£20,000
£20,000
Factor Rate
1.2
1.3
1.5
Total Repayment
£24,000
£26,000
£30,000
We use factor rates, not traditional interest rates. Your repayment is automatically deducted as a percentage of your sales – making this a truly revenue-linked business funding option.
Best Uses for a Merchant Cash Advance – Growth Strategies for Small Businesses
We work with a wide range of businesses across the UK. To qualify, you’ll typically need:
A minimum of £7,500 monthly card turnover (over the last 3 months)
At least 6 months of trading history
To accept debit or credit card payments
Perfect for:
✔ Restaurants, cafés, pubs, and takeaways
✔ Hair and beauty salons
✔ Retail shops & e-commerce
✔ Dentists, medical practices, and pharmacies
✔ Professional services (law, accountancy, consultancy)
Pros and Cons of Merchant Cash Advance Loans Compared to Alternative Business Financing Options
Pros
Flexible repayments based on sales volume
Fast access to capital (24–48 hours)
No collateral required
Options for merchant cash advance no credit check
Cons
Higher overall cost vs traditional loans
Not suited to businesses with low card turnover
Daily/weekly deductions may feel frequent
Factor rate cost can vary across lenders
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Why We’re the Best Merchant Cash Advance Providers in the UK
Quick Business Funds specializes in merchant cash advances to seasonal businesses, offering a card sales-based repayment model. This renders it one of the cash flow-friendly finance solutions in the UK today.
Tailor repayment schedules to your business model
Provide funding solutions with no hidden fees
Work with you as a partner, not just a provider
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Frequently asked questions
Don’t let funding hold your business back. Whether you’re looking to expand, invest, or simply smooth cash flow, Quick Business Funds can help.
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