Merchant Cash Advance

Unlock fast business funding with a merchant cash advance from Funding Guru. Borrow up to £500,000 with no fixed repayments, no hidden fees, and no need to offer security.

Perfect for card-taking businesses looking to boost cash flow.

What is a Merchant Cash Advance?

A merchant cash advance is an unsecured funding solution that lets you borrow money based on your future credit and debit card sales. Rather than fixed monthly payments, you repay a small agreed percentage of your daily card takings – meaning you only repay when you sell.

This type of finance is ideal for businesses in retail, hospitality, beauty, leisure, and online sales, anywhere with regular card transactions.

How Does a Merchant Cash Advance Work?

A merchant cash advance is designed to be simple and flexible. It’s not a traditional loan with fixed monthly repayments. Instead, it’s an advance against your future debit and credit card sales, and it’s repaid in line with how your business performs.

Here’s how it works in general:

Lender Accesses Card Sales Data: the lender works with your card terminal provider to review the volume of payments your business receives through debit and credit card transactions.
Advance Based on Turnover: based on your typical card sales, the lender calculates a suitable funding amount and an appropriate percentage to take from future transactions.
Repayments Adapt to Sales: you repay a fixed percentage of each card transaction, meaning repayment amounts fluctuate based on your sales activity. During quieter periods, you pay back less.
No Manual Payments: repayments are taken automatically at source by your card terminal provider and forwarded directly to the lender.

This repayment model is especially beneficial for businesses with seasonal or variable income, such as those in retail, hospitality, and leisure, because payments flex with your takings.

There are no fixed terms, deadlines, or penalties. If your sales slow, your repayments do too.. If your sales slow, your repayments do too.

Our Application Process For Merchant Cash Advance

Why Choose Funding Guru

If you’re looking for fast, flexible, and transparent funding from people who understand small business, Funding Guru stands out from the crowd. As a direct lender, we make the process easy, quick, and tailored to your business needs.

Here’s why thousands of UK business owners trust us for their cash flow funding.

Fast Access to Cash:
Receive funds in as little as 72 hours.
No Hidden Fees:
Transparent pricing from day one.
Tailored to Your Turnover:
Repay at a pace that suits your business.
Borrow Up to £500,000:
Based on your average monthly card sales.
Direct Lending:
We lend our own funds, so decisions are fast and flexible.
UK SME Experts:
We've funded over £750 million for small businesses like yours.

Who is Eligible for A Merchant Loan?

You can apply if you:

Matt Haycox

Founder and CEO, Funding Guru

Thoughts from Matt

“A merchant cash advance is a very different proposition to a typical loan product – the main difference being there is no end date to repaying the loan. You simply pay according to the strength of your sales. As a borrower, you get peace of mind knowing you will not have to keep up with fixed repayments if business is slow.

You can only take out this loan if you take regular card payments from customers. Talk to us today about how much your business could borrow and you could receive your funds within days.”

How Much Can I Borrow?

The amount you can borrow through a merchant cash advance will be influenced by your sales and business activity. At Funding Guru, we typically lend between £10,000 and £500,000.

For example, if your business takes £100,000/month in card payments, you may be eligible to borrow £70,000–£80,000.

Because of the nature of this type of loan, we do not charge late payment charges as there is no end date on the loan term. The agreement ends when we have received the money owed to us.

We can typically have the funds in your account within three business days, once your application for a merchant cash advance has been accepted.

We accept applications from both sole traders and limited companies.

What can a merchant cash advance be used for?

A merchant cash advance can be used for any business purpose, such as the below:

Pros and Cons of a Merchant Cash Advance

Before deciding if a merchant cash advance is the right solution for your business, it’s important to weigh the benefits and drawbacks.

Here’s a clear breakdown to help you understand how this funding option could support your goals, or where it may fall short:

Category	Pros of a Merchant Cash Advance	Cons of a Merchant Cash Advance
Security	No Security Needed – Fully unsecured, no personal or business assets required.	Not Suitable for All – Only available to businesses with regular card sales.
Repayments	Flexible Repayments – Payments adjust in line with your sales performance.	Higher Cost – Often more expensive than traditional bank loans due to risk profile.
Speed	Fast Access to Funds – Receive money in your account within 3 business days.	Limited Borrowing Criteria – You need a strong card sales history to qualify.
Cash Flow	No Fixed Repayment Schedule – Reduces cash flow pressure during slower periods.	Potential Over-Borrowing Risk – Easy access can lead to unsustainable debt.
Risk	Low Risk of Default – Repayments are tied to your performance.	Lack of Transparency from Some Providers – Always check for hidden fees (not with us).
Administration	Hassle-Free Collection – Payments are automated via your card processor.	Not Ideal for Growth Projects – Best suited for cash flow, not long-term investment.

Testimonials

"We have worked with Funding Guru for varied lending needs for over 10 years now. From arranging invoice finance, to leasing new vehicles, to cashflow assistance - Matt and his team never disappoint. When we first started our business securing finance was far from easy but Funding Guru provided solutions that few others couldn't and they have continued to support us as our business has developed and grown to an 8 figure turnover."

"Coming out of COVID our business, like most, wasn't in a great place. We hadn't been able to trade for over a year and finding finance options was proving difficult for us. Funding Guru was prepared to look at what a successful business we had been prior to the start of the pandemic, and what great opportunities lay ahead for us. The facility they provided solved our cashflow needs and allowed us to concentrate on being the UK's premier race team!'

"I knew Matt long before he was a lender, when he was building his own businesses and finding creative ways to finance his growth. So as soon as he started Funding Guru I knew there was only going to be one person to talk to about my own business finance requirements!"

Merchant cash advance Frequently Asked Questions

Is a merchant cash advance a loan?

A merchant cash advance is technically not a loan. It’s an advance based on your future sales. You repay as a percentage of those sales, with no fixed term.

How fast can I get the money?

Once approved, funds typically reach your account within 3 working days.

What are the interest rates?

Rather than interest, you pay a fixed fee agreed upfront. The total repayment is based on this fee, not a variable interest rate.

Do I need a perfect credit score?

No. Your eligibility is based more on your card sales than credit history.

How are repayments collected?

Automatically via your card terminal provider – no manual payments required.

Does Your Business Require a Cash Advance?

Borrow up to £500k Within Days

Call: 0333 006 9141

Contact Us

Interested in taking out this type of finance? Contact us today and tell us how much money you need. A dedicated account manager will get back to you within 24 hours. Funding Guru is a broker as well as a lender. So if we can’t help you, we will work with you to find a lender who can.