NerdWallet Logo

Compare Merchant Cash Advance Loans

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

4 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
  • Funding Xchange logo
    Broker

    Funding Xchange Merchant Cash Advance

    • Discover instant & personalised Cash Advance offers in just 3 minutes
    • A flexible way to raise working capital
    • Repayments are based on your credit & debit card sales
    • Minimum annual turnover
      £10,000
    • Available amounts
      £3,000 - £1,000,000
    • UK Available terms
      1 - 12 months
    See Deal

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

      • 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

        • Flexible borrowing for your business - unsecured (up to £100,000) and secured loans available
        • Fixed interest rates available on all loans, plus variable interest rates for loans over £25,000
        • Subject to application, financial circumstances and borrowing history. Eligibility criteria applies
        • Minimum annual turnover
          No minimum
        • Available amounts
          £1,000 - £100,000
        • UK Available terms
          12 months - 25 years
        See Deal
      • 2 more from Barclays
      • 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.

Other comparisons

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.