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Compare Merchant Cash Advance Loans

Loans for businesses of every size and industry, from top UK lenders including:

3 providers

Commission earned affects the table sort order. Other products may be available. Find out more

  • Portman Asset Finance logo
    Broker

    Portman Finance Group

    • Loans for any business purpose, from cashflow to new equipment, vehicles or expansion
    • Term business loans, recovery loans, short-term and flexible funding, asset finance, vehicle finance
    • Dedicated account managers to guide you, understand your business and find solutions tailored to your needs
    • Minimum annual turnover
      £100,000
    • Available amounts
      £10,000 - £2,000,000
    • UK Available terms
      3 months - 6 years
    See Deal
  • 365 Finance logo

    365 Finance Merchant Cash Advance

    Credit/debit card sales required
    • Pay back via a small % of future card sales
    • No security or business plans required
    • One all-inclusive cost. No admin fees, APRs or extras
    • Minimum annual turnover
      £120,000
    • Available amounts
      £10,000 - £400,000
    • UK Available terms
      4 - 18 months
    See Deal
  • YouLend logo

    YouLend Cash Advance

    Credit/debit card sales required
    • Optimise your cash flow and make repayments in line with your sales
    • No interest rate is charged, just a one-time fixed fee
    • Minimum annual turnover
      £36,000
    • Available amounts
      £3,000 - £1,000,000
    • UK Available terms
      1 - 18 months
    See Deal

    • Suppliers that don't offer Merchant Cash Advances but may offer suitable alternatives:

      • Funding Options logo
        Broker

        Funding Options

        • Rated excellent on Trustpilot, Funding Options have helped almost 13,000 businesses secure over £700m in funding
        • Access up to 120 lenders via a single application in minutes
        • Get instant funding decisions and, for some, pre-approved offers in seconds. Loans from £1,000 to £15million
        • Minimum annual turnover
          £50,000
        • Available amounts
          £1,000 - £15,000,000
        • UK Available terms
          No min/max terms
        See Deal
      • 5 more from Funding Options
      • iwoca logo

        iwoca

        • Flexible finance for small businesses from £1,000 to £1,000,000
        • No long-term commitments and flexible repayments to fit your business
        • Apply online in minutes for a quick decision (some may take up to 24 hours). Applying won’t affect your credit score
        • Minimum annual turnover
          £10,000
        • Available amounts
          £1,000 - £1,000,000
        • UK Available terms
          0 months - 2 years
        See Deal
      • 2 more from iwoca
    • Barclays logo

      Barclays Unsecured Business Loans

      • A quick and straightforward way to finance your business
      • Fixed interest rates, so you'll always know what you'll be paying
      • Take a six-month repayment holiday at the start of the loan (interest will continue to accrue and will be included in your repayments). Only available on loans below £25,000
      • Minimum annual turnover
        No minimum
      • Available amounts
        £1,000 - £100,000
      • UK Available terms
        12 months - 10 years
      See Deal
      • Funding Circle logo

        Funding Circle

        • Short & long term business loans from £10,000 to £500,000 at fixed rates
        • Apply online in minutes, get a decision in as little as 1 hour and funds typically within 48 hours
        • UK-based support team - rated 'Excellent' on TrustPilot
        • Minimum annual turnover
          £25,000
        • Available amounts
          £10,000 - £500,000
        • UK Available terms
          6 months - 6 years
        See Deal
      • 2 more from Funding Circle
      • Capify logo

        Capify

        • Flexible, reliable business funding from £5,000 - £750,000
        • Same-day funding options available
        • Check your eligibility online in two minutes
        • Minimum annual turnover
          £120,000
        • Available amounts
          £5,000 - £750,000
        • UK Available terms
          3 months - 2 years
        See Deal
      • 2 more from Capify

Our comparison service features a selection of providers from whom we receive commission. This table is initially ordered according to our commercial arrangements. Use the sorting options at the top of the comparison table to order by other criteria.

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What is a merchant cash advance?

A merchant cash advance is, essentially, a type of unsecured business loan. As with a traditional business loan, you borrow money from a provider and then pay that sum back.

However, a merchant cash advance is specifically for businesses with a high volume of customer debit and credit card transactions. You borrow a lump sum and then, instead of making a fixed monthly repayment, pay off the merchant cash advance through a pre-agreed percentage of your future customer card payments.

This means that your repayment plan is flexible and can accommodate the ebbs and flows of your trading. If you have a busy period, you will pay off your merchant cash advance loan more quickly. If trading is slow, however, you will repay less – but you won’t need to find money that you don’t necessarily have to pay off a fixed amount.

If you are interested in reading more of what our Nerds have to say visit our business loans section.