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Merchant Cash Advance
Funding repaid as an agreed percentage of your future card takings, so repayments rise and fall with your sales.
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Often suits
- Restaurants, cafés, bars and hotels
- Retailers and other businesses that take card payments
- Businesses with seasonal takings
Typically used for
- Refurbishments and new equipment
- Stock and seasonal preparation
- Short-term cash flow
A merchant cash advance provides a lump sum that you repay through a share of your future card takings. Because repayments follow your sales, it can suit businesses with uneven or seasonal income.
Understanding the cost
Instead of interest, there is usually a fixed fee agreed up front. We will show you the total amount repayable so you can compare it with other options.
Questions about merchant cash advance
How is a merchant cash advance repaid?
Repayments are taken as an agreed percentage of your card sales until the advance and fee are repaid. When sales are quieter, you repay less that day; when they are busier, you repay more.
Is it a loan?
A merchant cash advance is usually structured as a purchase of future card receivables rather than a loan. It can cost more than a traditional loan, so compare the total repayable.
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This page gives general information, not financial advice. Finance is subject to status and each lender's criteria. Bridgemead Finance is a broker, not a lender.
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