7 Best UK Merchant Cash Advance Companies (July 2025)

Merchant cash advance (MCA) or business cash advance is an alternative way for businesses to get borrow money besides traditional loans. Find out how much you cam borrow, how they work, who provides them and the risks below.

Get A Merchant Cash Advance Quote

How Much My Business Borrow?

The table below compares how much some of the leading UK merchant cash advance companies claim they can advance your business.

Click Here To See How Much You Can Borrow on 365 Business Finance »

Company	Minimum* Cash Advance Amount	Maximum* Cash Advance Amount
365 Business Finance	£5,000	£200,000
Quick Capital	£500	£300,000
Liberis	£2,500	£300,000
Boost Capital	£3,000	£500,000
Capify	£3,500	£500,000
Nucleus	£5,000	£150,000+
Merchant Money	£5,000	£500,000

How Does Merchant Cash Advance Work?

On the surface, a merchant cash advance is quite similar to other unsecured loans. Although a merchant cash advance is technically not a loan, instead you’re selling your future card transaction revenue for an agreed price.

What makes it different is that your repayments are a percentage of your total daily card takings. Thus, it is not suitable for businesses who don’t have a card machine or where card payments are a small percentage of total revenue.

This means, your total repayments will be higher on good days and lower on bad days. This also means there’s no “fixed” term for your loan, instead when it gets repaid will depend on your business. This can be a good thing if business is good, but can mean it takes longer to pay off if business goes poorly.

Generally speaking the repayments will only be based on card transactions, which means you still get to keep all of your cash transactions.

Here’s a breakdown of how applying and repaying works for most lenders:

Figure out how much you want to borrow/qualify for (usually max of 100% of monthly revenue but you can check here)
Make sure you meet eligibility criteria (see below or check here)
Agree on a payment split (usually 5-25% of daily card transactions)
Receive the money in your bank account (can be as fast as 48 hours)
Start paying back the loan based on transactions (can begin straight away)
Stop paying once your balance is paid off
Option to top-up or renew once you’ve paid back some or all of your cash advance

How Much Does A Business Cash Advance Cost?

Get A Merchant Cash Advance Quote

A business cash advance does not have a regular interest rate or APR charge. Instead, you agree on a total repayment amount including funding fee. This will be more than the amount advanced to you. However, you then repay based on the agreed payment split.

Generally speaking most lenders are looking to have loans repaid within 6-12 months and won’t lend above 100% of monthly card takings. This means you’ll typically end up having to pay about 5-25% of your daily card transactions towards your balance.

Let’s look at an example.

A florist turns over £10,000 per month and wants to borrow £10,000. They will be advanced that amount, but have to repay the advance plus funding fee of £4,000. This means they will have to repay a total of £14,000, which they agree to do by paying 20% of card transactions (£2,000) per month.

Assuming, business stays the same, they will pay off the balance in roughly 7 months time. However the equivalent APR for the loan will be over 120%.

A funding fee can also be expressed as a factor rate. In the example above, it would be 1.4 (£14,000/£10,000) and typical factor rates are between 1.1 and 1.5, but can be higher or lower depending on circumstances.

Therefore, a merchant cash advance be an expensive way to borrow money. However, you can compare it to other forms of loans on Think Business Loans here.

Merchant Cash Advance Companies

If you’re looking for quick and easy access to funds to finance your business, merchant cash advance providers are your best bet. But which providers offer the best service and most favourable terms?

To help you make the right decision, we’ve selected the best merchant cash advance providers for UK businesses. Let’s start with a comparison table showing each company’s average rates and fees, and then explore what each provider offers in more detail.

Merchant cash advance providers	Set up fees	UK transaction fees	International transaction fees	Monthly fees
365 Business Finance	Custom	/	/	Custom
YouLend	Custom	/	/	Custom
Nucleus Cash Advance	Custom	/	/	Custom
Capify	Custom	/	/	Custom
Liberis	Custom	/	/	Custom
Boost Capital	Custom	/	/	Custom
Momenta Finance	Custom	/	/	Custom
Quick Capital Funding	Custom	/	/	Custom

365 Business Finance

365 Business Finance is a London-based cash advance provider for solo merchants and small and mid-sized companies that offer services in the following industries:

Hospitality
Retail
Medical
eCommerce businesses of all types
Limited companies (LTDs)

The main advantage of the cash advance offered by this company is that you don’t need to pay any interest rates or monthly fees. The lending company takes a specific percentage of each debit and credit card payment that the cash advance loanee receives within a timeframe settled in the agreement.

Only businesses with at least six months of prior trading experience can receive a cash loan from 365 Business Finance. Additionally, they must prove they receive at least £10,000 in monthly sales revenue.

Businesses can apply for loans that range between £25,000 to £50,000. After submitting an application, 365 Business Finance reviews the company’s characteristics, location, and monthly sales revenue before deciding if they are eligible for a cash advance.

Let’s go over the benefits that come with applying for 365 Business Finance’s loan solutions.

Pros

No fixed repayments: The company doesn’t expect you to repay the loan instantly, nor do they have fixed monthly fees. The rate you’ll pay will depend only on your monthly sales revenue. Each month, you’ll need to contact your loan manager so they can make a correct estimation of the amount you should pay for that specific month. This is probably the most significant advantage for businesses still in the initial phase of building their brand and not having a stable monthly profit.

High approval rate: For businesses that meet all the necessary requirements, the approval rate is higher than 90%. After you send the application and the exact amount you want to receive as a cash advance, you can expect a response from the company within 24 hours.

Multiple payment methods: One of the obligatory criteria for being eligible for a cash advance loan from 365 Business Finance is offering various payment options for your customers, such as credit and debit cards issued internationally and digital wallets. Your business has to own at least one electronic POS hardware device with pre-installed payment processing software. You can also offer both in-person and online eCommerce payment options.

No extra rates and fees: You won’t need to pay any extra fees and rates except the monthly repayment fee, which varies and depends on your monthly sales revenue. The only rates and fees you are obliged to pay will be included in the agreement you sign before receiving the cash advance loan.

Flexible yearly plan: You are not required to send an annual business plan to be approved for a loan. However, you can send your estimates and overall expectations on how your business will develop and operate in the upcoming period.

Regular staff payment: The cash advance loan will allow you to pay your staff, product suppliers, and business partners regularly without missing a deadline. You can also use the loan to buy new POS software, hardware devices, and necessary equipment.

Monthly repayments: Although the monthly loan repayments will never be fixed, 365 Business Finance will automatically take a specific amount that aligns with your monthly profit.

Multiple venues: You can use the cash advance for expenses at various locations. Additionally, you can use the funds to open multiple venues and expand your business locally, regionally, or internationally.

365 Business Finance Prices and Fees

365 Business Finance offers customisable cash advance plans for each business. You can submit your application via their official website to determine if your company is eligible for a cash advance and learn more about their estimated prices and fees.

YouLend

YouLend is a UK-based cash advance provider for solo merchants and small and medium-sized companies. The company was founded in 2016 and has offices in the UK, Belgium, the Netherlands, Spain, Poland, and Ireland.

Below is a list of the payment solutions YouLend offers.

Capital Solution Loan

YouLend offers Capital Solutions as its primary loan. This type of loan is suitable for:

Solo merchants
Startups
Small businesses
Medium businesses
Large businesses
Enterprises
Businesses of all sizes with multiple locations

The amount of this cash advance loan can vary – £3,000 is the minimum and £1,000,000 is the maximum amount.

Once the estimation process ends, YouLend reviews your business’ annual sales revenue and decides how much it will lend you. If the company approves your application, you’ll receive the monthly loan sum in about 24 hours.

Instant Payouts

YouLend’s second loan solution is Instant Payouts. Like the Capital Solution cash advance, this one is ideal for small and medium companies looking for a simple yet cost-effective way to improve their monthly and yearly sales revenue and regular cash flow.

If your application for Instant Payouts is approved, you’ll receive the loan in portions after you receive a customer payment in your bank account.

Here’s a brief overview of Instant Payouts’ main features:

Flexible and regular payouts: The most significant advantage of the Instant Payouts loan is that it’s transparent and regular. The timeframe in which you’ll receive the funds is set up in the agreement you’ll sign with YouLend. You will get a detailed payout report whenever a specific loan amount is transferred to your business bank account. You’ll also receive a response on why the company lent you that particular amount of money.

Fixed rates and fees: Unlike the first type of cash advance loan offered by YouLend, this one has fixed rates and fees determined in the agreement you must sign before receiving the first portion of the loan. The company determines the fixed cost for your business by considering your daily, monthly, and yearly payouts. Once they do so, they’ll create a tailor-made offer for your business. Keep in mind that the fixed fee can be 3% or higher.

Extra Cash Advance and Payment Management Solutions

Alongside the two types of cash advance loans, YouLend developed an online platform suitable for eCommerce, tech businesses, online or in-person marketplaces, and brokers. You can use this platform to manage all your payments, sales revenue, regular payouts, and more.

What’s more, this platform contains a SaaS-based churn tool that you can use to receive in-depth data on customers you’ve already lost.

YouLend Prices and Fees

If you’re interested in receiving a tailor-made quote from YouLend, you can get in touch with their UK-based sales team. To schedule an appointment in person, give them a call at this number: +442038272870.

You can also apply for a free short-term demo trial before applying for customisable pricing.

Nucleus – Cash Advance

Founded in 2011 and based in London, Nucleus Cash Advance offers various types of loans for startups and large enterprises alike.

The loans by Nucleus Cash Advance vary from £10.000 as the minimum amount you can receive and go up to £2 million, but only if your business is eligible for a high-end loan.

The company offers the following cash advances:

Recovery cash advance solutions
Revenue cash advance solutions
Business cash advance solutions
Secure cash advance solutions
Unsecured cash advance solutions

Let’s review the basic features and eligibility criteria for each cash advance offered by Nucleus.

Recovery Cash Advance

This type of cash advance loan was launched during the COVID-19 pandemic in 2021 as a user-friendly and straightforward solution for all kinds of UK-based businesses, except the following:

Building Initiatives
Revenue Cash Advance
Reinsurers
Insurers (except brokers that sell insurance policies)
Banks
Public institutions
Education facilities that the UK government funds

This type of cash advance is founded by the British Business Bank and the UK Secretary of State for Business, Energy & Industrial Strategy.

To be eligible for this cash advance, your business needs to meet the following criteria:

The maximum yearly turnover should be £45 million.
Credit and fraud/theft analysis and monitoring must be conducted for all successful applications.
The loan is only available for UK-based businesses.
Some businesses will be asked to prove their cash advance viability/non-viability. If necessary, Nucleus will send a separate request for you to send proof of legal viability.
The business applying for this type of loan must not have a history of insolvency or be currently involved in court proceedings.
A report on how the COVID-19 pandemic has influenced the stagnation of your business.

Revenue Cash Advance

The revenue cash advance is for businesses eligible to sign a contract with Nucleus that they will repay the loan in an estimated timeframe. Each month, the company will take an agreed percentage of money from the loanee’s monthly sales revenue.

The revenue cash advance solution is especially suitable for companies that are in their beginning phase, such as startups and small local businesses looking for an easy and straightforward way to expand and enhance their sales revenue.

The repayment rate will remain fixed until the cash advance money is fully reimbursed to Nucleus. The repayment period can either be expanded or shortened if the business asks to repay it within a specific timeframe.

Business Cash Advance

Nucleus’s business cash advance loans are eligible for small, medium, and large companies and enterprises. If you’re interested in this loan, you can apply via the application on Nucleus’ website.

There’s no information on how long it takes to get a response if your application was successful or not. If it’s accepted, then you’ll sign a contract with the company and start receiving a weekly or monthly loan automatically on your Nucleus Cash Advance account.

Secure Cash Advance

The secure cash advance is suitable for small businesses and startups based in the UK. Firms must fulfil several criteria to be fully eligible for this type of loan.

Firstly, they must show legitimate proof that they own a residential or commercial venue for their business or private property. The property owned by the company is a guarantee if the loanee cannot pay the monthly repayment rates.

The minimum of this loan is £25,000, and the maximum is £2 million. The loanee must repay the cash advance sum in seven years. If the cash advance is not repaid to Nucleus in the agreed timeframe, the loanee will either pay an additional amount in penalties or have his property confiscated by the company.

Secure Cash Advance Eligibility Criteria

Own property
Have proof they’re registered in England or Wales
Show monthly bank statements from the last 12-month period
Show sales revenue records and evidence of transactions
Use the Open Banking platform
If the loanee is a startup, it needs to send a yearly plan on its estimated sales revenue and business expansion

Unsecured Loans

In addition to the secure cash advance loans, Nucleus also offers unsecured loans, which are often referred to as the most secure types of loans. These loans are suitable for all businesses, including those that don’t have any collateral (private or business-owned property) that would be confiscated if the loanee cannot repay the cash advance on time.

Unsecured Loans Eligibility Criteria

Unlike the other cash advance types offered by Nucleus, this has straightforward eligibility criteria, making it an ideal option for businesses that are still yet to expand. The best candidates for this type of cash advance loans are:

Tech startups
Real estate businesses
Marketing agencies
Consulting firms and agencies
Small-sized, local retail or manufacturing companies

Applicants don’t need to show a bank statement showing their business’s sales revenue or transactions in the last 12-month period. However, they must be eligible to use Open Banking and registered in England or Wales.

If the applicant is a startup, they’ll have to send a report on their future business cash flow and sales revenue estimates for 12 months.

Nucleus Prices and Fees

Since Nucleus offers tailor-made cash advance plans, you can submit an application through their website or call 02078391980 to schedule an appointment. You can also email the company at contact@nucleus-cf.co.uk

Capify

Founded in 2008 in the UK and Australia, Capify offers various cash advance loans specifically tailored for startups and small and mid-sized companies.

The company offers loans from £5.000 as the minimum amount to £500.000 as the maximum.

Their cash advance solutions are suitable for:

Digital businesses (eCommerce)
Wholesale vendors
Hospitality-oriented companies
Consulting agencies
Retail-oriented companies
Pharmaceutics and medicine-oriented businesses
Tech and IT companies

Capify Cash Advance Advantages

Flexible and low monthly rates: The rates and fees for the cash advances are usually very low. Therefore, you’ll be able to allocate a larger portion of your monthly budget to something beneficial for your business instead of giving it all away to avoid missing a cash advance repayment deadline.

High cash advance loans: Capify offers high loans for businesses that are eligible to receive them, £500.000 being the highest amount you can receive. They provide both secure and unsecured loans, the former being much higher than the latter. That’s because the loanee will have to show proof of owning a property that can be used as collateral if they cannot repay the loan.

Simple agreement conditions: The conditions that you must sign up for to receive a Capify cash advance are simple and don’t require a lot of work from your side. The company even allows you to allocate portions of the cash advance for other purposes if you don’t spend all of it by following your initial plan.

Agreement transparency: Capify is transparent from the beginning and lets applicants know exactly what they need to show to be considered eligible cash advance loanees. If you apply for one of their loans, you won’t need to show a lot of paperwork, which is not the case with some other cash advance providers such as Nucleus.

The required document is the history of your company’s sales revenue and transactions in the last year, i.e. 12 months. Sometimes, Capify can request additional paperwork to ensure the loanee can be 100% trusted.

Capify Cash Advance Prices and Fees

Like all of the cash advance providers on this list, Capify provides tailor-made quotes for all loanees. However, before sending a request for a cash advance loan, you should check if your business meets the necessary criteria to receive a loan from Capify.

For more information on their prices and fees, email their help desk: help@capify.co.uk. You can also set up a consultation in person by dialling 03338803506.

Liberis

Liberis is a London-based funding company that offers customisable cash advance plans for startups and small businesses. It provides responsible and transparent funding options for companies looking for a straightforward way to enhance their growth, sales revenue, and marketing campaigns.

Below is a list of Liberis’ funding solutions, the criteria you must fulfil to be a successful applicant, and the company’s additional financing tools.

Flexible and Transparent Revenue

The flexible and transparent revenue cash advance loans are specifically tailored for UK-based small businesses and startups looking for a quick way to pay out investors, give monthly payouts to the staff, restock on specific products, buy hardware and software, etc. Approximately 70% of the businesses that apply for this type of cash advance receive the funding they applied for.

Each applicant receives a specific sum after Liberis analyses the application and considers the company’s monthly and yearly revenue. Businesses can apply for a loan between £1000 and £1 million. If Liberis accepts the application, businesses automatically receive the monthly cash advance funds in their bank account within 48 hours of signing an agreement to accept the conditions.

The repayment rates and fees for this type of cash advance are fixed and set up in the contract that the loanee signs with Liberis. Except for the fixed costs, there’s no need to pay any hidden or extra rates. Businesses also don’t need to pay more than their budget allows, as Liberis considers their monthly and yearly revenue when calculating the monthly repayment sum.

How to Apply for a Flexible Revenue?

You can apply for this type of cash advance loan on the Get Funded page on Liberis’ main website. There, you can complete the application and add all the necessary information about your company and your preferred transaction methods, such as Worldpay UK, Klarna, or Barclaycard.

If your application is successful, you can choose from the following payment options:

Liberis Revenue Split: Only for partnering companies applying for flexible cash advance revenue. Your business partner will receive the funding in their bank account.
Partner Revenue Split: Liberis splits all the funding 50-50, and both partners receive half of the funding in their official bank account.
Fixed and transparent payments: Regular and automated payment processing of a fixed monthly sum on one or two business bank accounts.

Online API Platform

In addition to the cash advance options, Liberis created a user-friendly API platform you can easily access by creating an online business account. By connecting your business bank account to the platform, you can review and monitor your past and current cash advance loans and manage your finances.

Cash advance tracking and reapplying for new loans can be done straight from the dashboard. As a Liberis platform user, you’ll receive monthly in-depth analytics and finance reports. There’s also an optional feature to get customised marketing plans and strategies your company can implement while using Liberis’ cash advance.

You can create one of the following online accounts:

Create: The Liberis Create version of the platform is advanced yet user-friendly and straightforward. It’s suitable for businesses that operate at several venues, work with a high number of clients, and need multiple marketing strategies.
Core: This online account allows you to access the Liberis Core version of the platform, which is suitable for companies looking for an easy way to monitor multiple cash advance loans at once and ensure they’re 100% safe from malware and fraud. If you have access to the core version of the platform, you’ll automatically receive in-depth analytical reports and marketing plans and strategies.

Company Partnerships

Liberis regularly looks to partner with UK-based companies of all sizes that would like to collaborate, receive a tailor-made cash advance loan, and develop business strategies. Every company that partners with Liberis can use the online API platform to manage their business finances and cash advance loans.

Becoming a Liberi’s partner has plenty of benefits, some of which include the following:

Increased number of regular customers by approximately 33% in a brief period.
Customisable cash advance loan strategy created with the help of AI analytics tools that determine precisely what type of funding plans each partnering company needs.
Regular customisable marketing plans and consultations on how to improve business plans and approach specific target audiences for free.
An option to continue the partnership on a yearly basis. Approximately 89% of Liberis’ partners decided to renew their collaboration and receive cash advance loans from the company.

In addition to using the platform for free, partnering businesses will receive free marketing plans and consultations from Liberis. According to the company, about 83% of the firms that applied to partner up have received positive feedback and signed up for a partnership.

Other Business Partnerships

There are multiple types of partnerships for companies that offer specific services, such as:

Partnerships for UK-based brokers that need to use a digital platform to keep an eye on their finances and cash advance loans.
Partnerships with startups, small, or mid-sized companies that provide payment services, independent consultations, eCommerce-oriented services, Neobanks, SaaS companies, etc.

Liberis Cash Advance Prices and Fees

If you’d like a cash advance offer from Liberis, you can apply by filling out the application on their page, Get Funded. To have a successful loan application, you’ll need to share all the essential details about your company and your preferred cash advanced amount.

All businesses applying for a cash advance or access to their online API platform will receive a tailor-made offer since there are no fixed loans or monthly or yearly rates and fees.

Boost Capital

Based in London and launched in 2012, Boost Capital offers seed venture cash advance loans for startups, pre-seed companies, and small or medium-sized businesses that are located in the UK but also internationally. As you can see, unlike some of the firms on this list, Boost Capital’s services can be used anywhere in the world. The company can lend a maximum of $750.000 to businesses of all sizes.

Eligible Seed and Pre-Seed Companies

Not all seed or pre-seed companies are eligible to receive a cash advance loan from Boost Capital. To be considered as a successful loan candidate by Boost Capital, your firm will need to operate, give services, or sell products in one of these industry niches:

Education institutions and agencies
Gaming or 3D animation
Healthcare, pharmaceutical, or medical services
Environment-oriented services, i.e. companies that come up with strategies on how to decrease carbon footprint
Entertainment (theatre, cinema, large concert/festival/sports venues, etc.)

Boost Capital Clients

Here’s a list of some of Boost Capital’s clients that have received a tailor-made cash advance plan:

Howbout: Mobile app for task management
Pulppo: Real estate management platform
Krew: Mobile app for fitness activity and exercise
Volta: PC/Laptop app for music producers and sound engineers
Stitch: Online platform for participants in clinical trials

Boost Capital Cash Advance Prices and Fees

All of Boost Capital’s offers are customisable for each applicant. The company develops specific cash advance plans that suit each business’s needs by reviewing their yearly sales revenue, estimated business plan for the next 12-month period, etc.

If you’d like to request a customisable offer, you can submit your inquiry by filling out the application on the company’s official website. Another option is to email their customer support team at info@boostcp.vc.

Momenta Finance (Merchant Money)

Momenta Finance, formerly known as Merchant Money, is a cash advance company founded in London in 2013. They offer tailor-made cash advances for companies of all sizes, including unsecured and secured cash advance solutions tailored to each client’s needs. So far, Momenta Finance has distributed cash advance loans of over £150,000,000.

Here’s a list of the features of each cash advance option.

Secured Cash Advance Solutions

The secured loan solutions are suitable for companies that want to loan less than £750,000. The cash advance offers are tailor-made for each applicant. The most important requirement to be eligible for a secured cash advance is to own collateral in the form of private or business-owned property that Merchant Money can confiscate in case you’re unable to repay the monthly fees and rates.

The secured loan has an expiry date – the shortest period to receive it is half a year, and the longest is 60 months. If the loanee wants to continue using the cash advance, they can reapply to prolong the cash advance repayment, but only if they still fulfil the necessary criteria and are able to repay it on time.

Eligible Businesses for Secured Cash Advance

The secured cash advance can be used for various reasons, but most companies choose to apply for it to cover the following expenses:

Buy and maintain equipment, hardware, software solutions, etc.
Expand the business to new locations, i.e. buy or rent new venues
Send payouts to each staff or raise paychecks
Payout old debts
Give a deposit to rent a venue
Staff training and additional courses, workshops and lectures

Momenta Finance comes up with fixed repayment rates and fees for each loanee after reviewing their application and considering their monthly and annual sales revenue and business plan for the next year.

After sending your application, you can expect to receive a decision from Momenta Finance in the next 48 hours. If your application is approved, you’ll be contacted by the company’s sales team. They’ll send you an agreement that you’ll have to sign before they send the first monthly part of the cash advance.

Unsecured Cash Advance Solutions

The most significant difference between secured and unsecured cash advance loans is that you don’t need collateral for the latter. Like the secured loan, this one is flexible and tailor-made for each applicant.

The biggest disadvantage, however, is that the maximum amount of money you can apply for is significantly lower – a maximum of £250,000. If you’d like to receive a higher cash advance loan, you should consider the first option.

Eligibility Criteria for Unsecured Cash Advance

Here’s a brief list of the criteria your business needs to fulfil to be an eligible candidate for this type of loan:

The business must be registered in any of the following countries: Scotland, Northern Ireland, England or Wales.
This type of loan is suitable only for limited liability partnership businesses, also known as LLP. The yearly sales turnover must not be lower than £350,000.
Proof of at least 2-year long sales revenue history.
Prior experience and knowledge in the trading industry.
A Minimum of 50% of the yearly sales and transactions have to come from trading.

If you think your business fulfils all the necessary criteria, you can send an online application by visiting the company’s website. There’s no specific information on when you’ll receive Momenta Finance’s decision on whether you are a suitable candidate for this loan or not.

However, if the company accepts your application, you’ll get the first cash advance portion on your business’ bank account (on any major debit card such as Visa, MasterCard, Maestro, etc.) or PayPal account for business purposes in the following 48-hour period (during work days) after signing an agreement with Momenta Finance.

Since the company’s cash advance solutions are customisable, they do not have preliminary fixed repayment rates. The company determines a suitable monthly repayment fee for each applicant while analysing their application, i.e. reviewing their yearly turnover, bank statements, the industry niche of the applicant company, etc.

Momenta Finance Prices and Fees

Since no fixed cash advance plans are available on the website, you’ll have to contact Momenta Finance to get more information on their products’ rates and fees. If you’d like to set up a meeting, call the London office at 08008488480.

Quick Capital Funding

Quick Capital Funding is a California-based company that provides cash advance loans for small businesses and startups facing difficulties in increasing their sales revenue. So far, they have distributed more than $2 billion to over 10,000 small companies worldwide, including the UK. Approximately 85% of the applicants receive positive feedback from Quick Capital Funding and are approved for a cash advance.

In addition to cash advances, the company offers the following loans:

Tailored term funding: Term loans are one of the most popular funding methods for businesses of all sizes needing funding for a more extended period. Usually, term loans last anywhere from two to seven years. The loan provider will come up with a tailor-made offer for the applicant. If they are a suitable candidate, they’ll sign a contract and repay the loan in a specific timeframe arranged before they receive the first portion of the money.
Working capital loan: As the name suggests, this type of loan is suitable for businesses looking for a quick and simple way of obtaining money for a specific purpose. Usually, this loan is used by companies that need to refurbish or renovate their business properties or quickly restock particular products.
Loan for equipment investment: This type of loan is ideal for companies of all sizes looking for a simple, cost-effective cash advance solution to buy new equipment. This loan can only be used to invest in new equipment, i.e., devices necessary to improve the business workflow and yearly sales. Businesses will pay a lease in a specific timeframe determined in the contract, with an option to prolong the repayment period if they have legitimate proof of why they need to do so.
Invoice accounting/financing: Businesses can use their previous unpaid invoice(s) from various suppliers or customers as their primary security when they apply for a loan. A percentage of the invoice money is used to repay the loan regularly.
SBA: The SBA, or Small Business Administration loan, is an express funding option tailored for small businesses and startups. The SBA, a governmental body in the UK, funds a portion of this loan. Since it’s a state-managed institution, the deciding team is often more thorough and selective regarding application approval.

Let’s find out more about Quick Capital Funding’s cash advance solutions.

Cash Advance for Small Businesses and Startups

Quick Capital Funding creates tailor-made cash advance offers for its clients. This type of loan can last anywhere from four months to one year, with an option to prolong it if both parties agree.

Here’s a list of the cash advance advantages:

Regular cash transaction: The funding is transferred directly to your business bank account approximately two days after your application is approved. The terms and conditions of when you’ll receive it are written in the contract that you must sign with Quick Capital Funding.

Transparency and regular risk management: Quick Capital Funding’s cash advance solutions are 100% safe, and the rate percentage is transparent and written in the contract. You can also suggest a monthly repayment rate that your business can pay regularly and is in line with your monthly and yearly cash flow and sales revenue.

Easy cash advance approval: If your business fulfils the necessary criteria, you have a high chance of getting approved for the cash advance sum you ask for in your application. The company considers your most up-to-date sales revenue and where your business is registered, not your previous credit or cash advance scores.

Non-flexible rates: Quick Capital Funding’s cash advance solutions are ideal for companies that operate seasonally. If your company doesn’t have regular cash flow each month during the year, you can ask to repay a more significant portion of the cash advances in the months where you have a higher sale percentage. Therefore, you pay less during periods when the company doesn’t profit.

Quick Capital Funding Prices and Fees

If you’re interested in receiving a customised cash advance plan, you can apply by filling out the form available on the QCF’s main page. You can also email the company at info@quick-capitalfunding.com or call the following number: 1-833-750-0485

What Makes These Companies the Best Merchant Cash Advance Providers?

Tailor-made cash advance solutions: All cash advance providers on this list offer customisable solutions for each applicant. They review the applicant’s business location, monthly and yearly sales revenue and cash flow, company size, and industry niche to devise a customised cash advance solution.

High approval rating: The cash advance providers on this list have a high approval rating if the applicant fulfils the necessary criteria. 365 Business Finance’s approval rate is the highest on this list, with over 90% of the companies receiving a cash advance if they check all the boxes.

Flexible repayment options: Some cash advance providers, such as Quick Capital Funding and Momenta Finance, offer loanees the option of repaying a lower monthly rate percentage in periods when their business doesn’t have a steady cash flow and the profit significantly decreases.

Conclusion

As you can see, all of the merchant cash advance providers on this list offer plenty of viable and straightforward loan solutions for businesses of all sizes. They provide tailor-made loan options and consider the company’s size and monthly or yearly sales revenue.

The biggest drawback of these providers is that they don’t share all information on their fixed or estimated repayment rates and fees. To get more information on this, contact the companies that catch your eye and ask for an estimate. Make sure to get offers from at least two cash advance providers before deciding where to apply for a cash advance loan.

Disclaimer: Merchant Machine is an information only website and not regulated by the FCA. Merchant Cash Advance and Business Cash Advance are financial products which must be repaid and may not be right for everyone. Please make sure you understand the risks before borrowing money. We do not provide loans but work with Think Business Loans and 365 Business Finance who may be able to help find you financing.