Merchant Cash Advances in the UK up to £100,000

Repayments are a percentage of your monthly sales with no interest to pay, just a fixed fee.

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  5. Merchant Cash Advances in the UK up to £100,000


  • A merchant cash advance is an unsecured business loan where a percentage of a business’s card sales are used to repay the amount borrowed.
  • To be eligible the business must generate over £1,000 in monthly card sales; have been trading for six months; the business is registered as a limited company; the owner is a UK resident over the age of 18.
  • Businesses can borrow up to £100,000.
  • The application takes minutes to complete and funding can be transferred in 24 hours.

What is a merchant cash advance?

A merchant cash advance is a form of unsecured business funding where a business repays the amount borrowed using a pre-agreed percentage of their monthly revenue which is generated by card sales. There are no fees attached to a merchant cash advance, instead, an all-inclusive fee is paid upfront when they take out the loan.

How does a merchant cash advance work?

A merchant cash advance is where a business borrows money from the lender and repays the loan using a small percentage of their debit or credit card sales. Essentially, every time a customer uses a card machine to pay for a service or product, a percentage of that payment goes to repaying the loan until the loan is fully repaid.

There is no interest charged on a merchant cash advance. Instead, the borrower pays an upfront fee which replaces the need for interest. For instance, if a business borrows £30,000 and is charged an upfront fee of 10%, the total cost of the loan is £33,000.

How much money can I borrow with a merchant cash advance?

Business owners can borrow anywhere between £1,000 – £100,000 when they apply for a merchant cash advance with Merchant Cash Express.

How do I apply for a merchant cash advance?

Businesses can apply for a business cash advance by completing the online application on the Merchant Cash Express website. The application form requires some basic information about the business owner and the business. Applicants that are successful can receive funding within 24 hours.

Am I eligible for a merchant cash advance?

To be considered for a cash advance, the business must meet the following eligibility criteria:

  • The business must have been trading for at least six months.
  • The business must generate over £1,000 in card sales per month.
  • The business must be registered as a limited company.
  • The business owner is a UK resident and is over 18 years of age.

What Are The Benefits Of A Cash Advance?

1. The Application Process Is Simple

You can make an application for an advance just by going online. No paperwork and no calls, just one short, online form. The application is compatible with both mobile and desktop devices. The application itself is really simple and requires some basic information and documentation about your business.

2. Access Funding Quickly

With a business cash advance, you can access capital in as little as 24 hours! Decisions are delivered in minutes. As soon as you’ve accepted the terms of the offer, the lender will transfer the money directly to your account.

3. It’s An Affordable Way To Borrow

There are no hidden fees or late repayment charges. The terms are straightforward – you receive a lump-sum payment and have just one clear cost to repay.

There’s also no pressure to repay the amount faster than your business can afford. The amount you repay directly corresponds with the amount your business earns. If you earn less, the amount you repay will also be less, so financial stress is always kept to a minimum.

4. Unsecured funding

A benefit of this type of business funding is that it is entirely unsecured. Ultimately, there’s no need to provide collateral which is often reassuring.

There are also no nasty surprises. The terms of the agreement are agreed upfront prior to the exchange of funds, so you will always be given the opportunity to clarify anything you’re unsure about. You’ll never enter an agreement blindly and you’ll never be pressured into anything you’re uncomfortable with.

How does a merchant cash advance compare to a traditional bank loan?

CompareBusiness Cash AdvancesBank Loans
How much could you receive?£1,000 – £100,000£1,000 – £100,000
What’s the fee?No interest. Just one all-inclusive feeBetween 3.83% and 4.56% APR
How long does it take to get approved?Applications are pre-approved online within minutes.You could be waiting weeks for an initial decision. In some cases, it could be months.
When will you have access to the money?The funds will be deposited into your account within just days.It depends on how quickly the bank processes your application, but an average you’ll be waiting months.
Can you qualify with bad credit?YesNo
Are repayments fixed?No. Repayments are always flexible. They are taken as a small percentage of future card sales.Yes. The bank will give you a fixed figure which you’ll have to pay back each month regardless of your business’s performance.
Collateral?No. There is no personal obligation with a cash advance.Yes, many banks will request collateral, especially if you’re a small business.

Merchant Cash Advance vs Traditional Bank Loan


  • Applying for a bank loan is a complicated and lengthy process. The average application involves multiple meetings with the bank and masses of paperwork to complete and sign. Ultimately, the slower the application process, the longer it will take for you to receive the loan.
  • Applications for a business cash advance are simple and straightforward. You can apply online, just by filling out a quick online form. There are no meetings, calls or paperwork necessary.


  • Qualifying for a bank loan is difficult. The criteria to qualify can be incredibly strict. You’ll need a near-perfect credit score to even be considered, and you’ll need to offer valuable assets as collateral. Most small business owners don’t have access to valuable assets, so this simply won’t be an option for them.
  • With a merchant cash advance there is greater flexibility in qualification. Providing that your business makes a good amount of revenue in card sales each month, providers will still consider you even if you have bad credit. There’s no need for collateral and no personal obligation, so you can sleep easy knowing that your home is always safe!

Accessing the Money:

  • It can take months to receive a bank loan. Banks are notorious for taking a long time to process and review applications, so you could be left waiting months just for a decision, let alone the capital your business needs.
  • Cash advance loans are deposited into the business owner’s account within 24 hours. If you need the capital urgently, as most small businesses do, this is an efficient and effective choice.


  • Long-term repayment periods. Repayments span over longer periods (up to 25 years) so monthly repayments are usually small and interest rates can be low in comparison to other loan providers (4.56%). However, it means businesses are under that constant pressure of having to repay the loan.
  • Repayments for a cash advance are flexible and easily manageable. There’s no fixed repayment date so you’ll never incur any late fees. Simply pay back using a small pre-agreed percentage of your daily card sales, until the loan amount is repaid. Most businesses are typically able to repay in full, within 4-18 months, so you’ll be free of any debt far quicker than you could with a bank loan.

Why Choose Merchant Cash Express?

  • We’re legitimate. We’re on the Financial Services Register, so you know that the service we’re offering is safe.
  • We tell the truth. We’re upfront about all of the fees and terms.
  • We’re cooperative. We are more than willing to answer questions and explain things to you in more detail if you need us to.
  • We specialise in solving small business problems. Merchant Cash Express recognises the difficulties small businesses face and aims to deliver a service which best accommodates your needs.
  • There’s no pressure. We offer free no obligation quotes and flexible repayment plans to suit all business types.

How Do You Make Repayments?

In most cases, the lender will work directly with your terminal provider to make repayments as simple and hassle-free as possible. The card provider will routinely withhold the pre-agreed percentage from your total card sales and transfer it to the lender at the point of sale. This way you don’t have the headache of setting up a direct debit.

The best way to think of it is like income tax – deductions are made automatically by a third party before you receive revenue. You spend less time worrying about repayments and have more time to concentrate on your business.


How much can I borrow with a merchant cash advance?
A business can borrow between £1,000 – £100,000 if they opt to apply for a merchant cash advance. Ultimately the amount that a business is allowed to borrow is determined by the lender, which means the borrowing amount may differ from the one applied for.
How can I apply for a merchant cash advance?
Business owners can apply for a merchant cash advance by applying online at The online application is simple to fill out and can be completed in a matter of minutes.
How long does it take for my cash advance to be transferred?
Approval for a merchant cash advance can take place in as little as 24 hours. This means that you can receive the money within your bank account within hours of approval.
Is my business eligible for a merchant cash advance?
In order for a business to be considered eligible for a merchant cash advance, the business must have been trading for at least 3 months and must generate over £1,000 in monthly card sales.

Apply for a Merchant Cash Advance today

Once approved, you can receive the funding within as little as 24 hours.

Will You Qualify for a Merchant Cash Advance?

To determine if you qualify, answer ‘YES’ to the following questions:

Is your business 6 months old?

Your business must have operated for 6 months minimum.

Do your monthly card sales total £1,000 or more per month?

Typically, your business needs to generate £1,000 in debit card or credit card sales per month.

Are you a UK resident?

You must be a UK citizen and over the age of 18 to apply. This requires you to provide identification (a passport, or an original birth certificate, for instance) that proves your citizenship.

Are you a limited company?

You must be an active director of a limited company to be eligible for a merchant cash advance.

Making An Application:

  • Total Your Monthly Card Receipts

    The first thing you need to do is calculate your average monthly card sales total.

  • Decide How Much You Want to Borrow

    Carefully consider your business’ needs to decide how much money you would like to borrow.

  • Get Pre-approved

    Simply complete and submit our online application form – it takes less than two minutes.

  • Decide Your Repayment Terms

    Repayments are a percentage of your monthly card sales. You decide what percentage of your revenue to repay each month.

  • Receive Your Money

    Once approved, you can expect to access the funding your business needs in as little as 24 hours.

Apply for a Merchant Cash Advance today

Once approved, you can receive the funding within as little as 24 hours.

Terms & Conditions

1. Terms of website use

1.1. This page (together with the documents referred to on it) represents the Terms and Conditions of Use (“Terms of Use”) on which you may make use of our website (the “Sites”) which is owned, operated, licensed, and controlled by Munee Services Ltd, Registered in England and Wales (Company number: 13401622), Registered Office: 71-75 Shelton Street, London, Greater London, United Kingdom, WC2H 9JQ, licensed by the Information Commissioners Office under Registration number: ZB190167) (referred to herein as the “Company”, “we”, “us” and “our”). The term “You” refers to the users and viewers of our Sites.

1.2. Please read these Terms of Use carefully before using our Sites.

1.3. By using our Sites, you indicate that you accept these Terms of Use and that you agree to be bound by them. If you do not agree to these Terms of Use, please do not use our Sites.

2. Information about us

2.1. The Company is registered in England and Wales with company number 13401622 and its registered office is at 71-75 Shelton Street, London, Greater London, United Kingdom, WC2H 9JQ

2.2. The Company is a service business carrying out the business of credit brokerage in the United Kingdom. The Company does not make loans or credit decisions.

2.3. We are regulated by the Financial Conduct Authority and entered on the Financial Services Register under interim permissions number: 123456

2.4. We are registered with the Information Commissioner’s Office in compliance with the Data Protection Act of 1998 and the Data Protecion act of 2018. Our registration number is ZB190167.

3. Services

3.1. The Company’s services include, but are not limited to, advertising other companies’ credit offerings and effecting introductions between potential borrowers and lenders or other credit brokers in respect of secured and unsecured loans (the “Services”). In order to request a consumer credit loan from a selection of lenders, the Company invites you to complete an Application Form and transmits this completed Application Form to lenders and/or third parties (the “Advertising Partners”).

3.2. The Company does not guarantee that completing an Application Form will result in you receiving a loan offer. Your request is not an application for credit from a specific lender or lenders but an expression of your interest in such products. Individual lenders may require you to complete their own application process and are solely responsible for deciding whether and on what terms to lend to you. Any examples of loan terms on our website are for illustrative purposes only.

3.3. The Company does not charge you any fees for the provision of the Services. If we provide services other than the Services we shall be entitled to charge a fee for those services. The Company will generally receive a brokerage fee from its Advertising Partners for the provision of the Services.

3.4. The Company is not a party to any contract made between you and the Advertising Partners for loans. All rights and obligations under the terms of the contract for a loan are solely between you and the relevant lender.

4. Credit checks on completion of an application form

4.1. By completing the Application Form you authorise the Company to transmit your Application Form to our Advertising Partners.

4.2. By submitting an Application Form you authorise our Advertising Partners to take all such steps as are deemed necessary to independently verify any and all information contained in your Application Form and check your credit worthiness. You understand that these checks may include contacting Credit Reference Agencies (CRAs), fraud and money laundering preventing agencies and the electoral register as well as providing them with information about you.

4.3. By submitting the Application Form you acknowledge that we will acquire and transfer your personal data to our Advertising Partners for the provision of the Services and you consent to our acquisition, control and processing/transfer of your personal data in accordance with the terms of our Privacy Policy (see also section 8 below ‘Privacy’).

4.4. We do not act on behalf of the Advertising Partners or represent them.

5. Accessing our site

5.1. Access to our Sites is permitted on a temporary basis, and we reserve the right to withdraw or amend the service we provide on our Sites without notice (see below). We will not be liable if for any reason our Sites is unavailable at any time or for any period.

5.2. From time to time, we may restrict access to some parts of our Sites, or the entirety of our Sites, to users who have registered with us.

5.3. If you choose, or you are provided with, a user identification code, password or any other piece of information as part of our security procedures, you must treat such information as confidential, and you must not disclose it to any third party. We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our opinion you have failed to comply with any of the provisions of these Terms of Use.

5.4. You are responsible for making all arrangements necessary for you to have access to our Sites. You are also responsible for ensuring that all persons who access our Sites through your internet connection are aware of these terms, and that they comply with them.

6. Intellectual Property

6.1. Our Sites, the content, any materials downloaded, and all intellectual property pertaining to or contained on our Sites (including but not limited to copyrights, patents, database rights, graphics, designs, text, logos, trade dress, trademarks and service marks, (collectively “the Content”) are owned by the Company or other third parties and all rights, title and interest therein shall remain the property of the Company and/or such third parties. All Content is protected by copyright, patent and trademark laws, and various other intellectual property rights and unfair competition laws.

6.2. Logos, trademarks, images, etc. are the property of the Company unless otherwise noted and may not be copied, used, linked, disseminated, etc. without the Company’s prior express written approval. Requests for approval should be directed to [email protected] or Dojono Limited, 71-75 Shelton Street, London, Greater London, United Kingdom, WC2H 9JQ

6.3. You are authorised solely to view and retain a copy of the pages of our Sites for your own personal, non-commercial use. You may also view and make copies of relevant documents, pages, images or other materials on our Sites for the purpose of transacting business with the Company.

6.4. You agree that you will not duplicate, publish, modify, create derivative works from, participate in the transfer of, post on the World Wide Web, or in any way distribute or exploit our Sites, or any portion of our Sites for any public or commercial use without the express written consent of the Company.

6.5. Additionally, you agree that you will not (i) remove or alter any author, trademark or other proprietary notice or legend displayed on our Sites (or printed pages produced from our Sites); and (ii) make any other modifications to any documents obtained from our Sites other than in connection with completing information required to transact business with the Company.

7. Site Security

7.1. You must not misuse our Sites by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to our Sites, the server on which our Sites is stored or any server, computer or database connected to our Sites. You must not attack our Sites via a denial-of-service attack or a distributed denial-of service attack.

7.2. By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our Sites will cease immediately.

7.3. We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our Sites or to your downloading of any material posted on it, or on any website linked to it.

8. Privacy

8.1. The Company ‘s Privacy Policy applies to use of our Sites, and its terms are made a part of these Terms of Use by this reference.

8.2. Any personal data we process about you will be processed in accordance with our Privacy Policy and by using our Sites to transmit personal data you consent to such processing and you warrant that information provided by you is accurate. Please note that we may transfer your personal data to lenders outside of the European Economic Area, subject to us always meeting the legal requires for such transfer as set out in the Eighth Data Protection Principle of the Data Protection Act 1998.

8.3. Additionally, by using our Sites, you acknowledge and agree that Internet transmissions are never completely private or secure. You understand that any message or information you send to our Sites may be read or intercepted by others, notwithstanding the Company’s efforts to protect such transmissions.

8.4. Please contact us at [email protected] or Dojono Limited, 71-75 Shelton Street, London, Greater London, United Kingdom, WC2H 9JQ if you want to receive details of the relevant credit reference or fraud prevention agencies

9. Disclaimers

9.1. The Company does not promise that our Sites or any content, document or feature of our Sites will be error-free or uninterrupted, or that any defects will be corrected or that your use of our Sites will provide specific results.

9.2. The material on our Sites could include technical inaccuracies or typographical errors. Our Sites and their content are delivered on an “as-is” and “as-available” basis. All information provided on our Sites is subject to change without notice. The Company cannot ensure that any files, documents or other data you download from our Sites will be free of viruses or contamination or destructive features.

9.3. The Company disclaims all warranties, express or implied, including any warranties of accuracy, non-infringement, merchantability and fitness for a particular purpose.

9.4. The Company does not guarantee that submission of an Application Form will result in you receiving an offer of a loan.

9.5. The Company disclaims any and all liability for the acts, omissions and conduct of any third parties in connection with or related to your use of our Sites. You assume total responsibility for your use of our Sites and any linked sites.

10. Our Liability

10.1. The material displayed on our Sites is provided without any guarantees, conditions or warranties as to its accuracy. To the extent permitted by law, we, other members of our group of companies and third parties connected to us hereby expressly exclude:

10.1.1. all conditions, warranties and other terms which might otherwise be implied by statute, common law or the law of equity; and

10.1.2. any liability for any direct, indirect or consequential loss or damage incurred by any user in connection with our Sites or in connection with the use, inability to use, or results of the use of our Sites, any websites linked to it and any materials posted on it, including:

(i) loss of income or revenue;

(ii) loss of business;

(iii) loss of profits or contracts;

(iv) loss of anticipated savings;

(v) loss of data;

(vi) loss of goodwill;

(vii) wasted management or office time; and

(viii) whether caused by tort (including negligence), breach of contract or otherwise, even if foreseeable, provided that this condition shall not prevent claims for loss of or damage to your tangible property or any other claims for direct financial loss that are not excluded by any of the categories set out above.

10.2. This does not affect our liability for death or personal injury arising from our negligence, nor our liability for fraudulent misrepresentation or misrepresentation as to a fundamental matter, nor any other liability which cannot be excluded or limited under applicable law.

11. Indemnity

11.1. By using our Sites, you agree to defend, indemnify, and hold harmless the Company from and against any and all losses, claims, damages, costs and expenses (including reasonable legal and accounting fees) that the Company may become obligated to pay arising or resulting from your use of our Sites, the Content, or your breach of these Terms of Use. The Company reserves the right to assume or participate, at your expense, in the investigation, settlement and defence of any such action or claim.

12. Linking to and from our sites

12.1. Our Sites may contain links to sites maintained by third parties. The Company is not responsible for the content or privacy policies of those sites, and the existence of such links should not be considered an endorsement or recommendation of those sites or of any product or service offered on those sites or of any party that is associated with those sites.

12.2. Please note that other websites and web pages linked to our Sites may be governed by separate terms and conditions, including privacy policies. Please refer to the applicable terms and conditions, including privacy policies of those websites and webpages when visiting them.

12.3. You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it, but you must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists.

12.4. You must not establish a link from any website that is not owned by you.

12.5. We reserve the right to withdraw this permission without notice. Our Sites must not be framed on any other site, nor may you create a link to any part of our Sites other than the home page.

12.6. If you wish to make any use of material on our Sites other than that set out above, please address your request [email protected] or Dojono Limited, 71-75 Shelton Street, London, Greater London, United Kingdom, WC2H 9JQ

13. Age

13.1. The services and products that we provide on our Sites are intended for those over 18 years of age only, and information contained on our Sites does not amount to an invitation to clients who are under 18 to buy any services or products. All transactions for the supply of services concluded through our Sites are governed by the Terms of Use.

14. Law and jurisdiction

14.1. Your use of our Sites and these Terms of Use are governed by the Laws of England and Wales whose courts have exclusive jurisdiction of any disputes that may arise under or in connection with the Terms of Use.

14.2. However, we retain the right to bring proceedings against you for breach of these Terms of Use in your country of residence or other relevant country.

15. Miscellaneous

15.1. Any failure by the Company to exercise any rights or enforce any of these Terms of Use shall not constitute a waiver of such rights or terms.

15.2. If any provision of these Terms of Use or their application in a particular circumstance is held to be invalid or unenforceable to any extent, the remainder of these Terms of Use, or the application of such provision in other circumstances, shall not be affected thereby, and each provision hereof shall be valid and enforced to the fullest extent permitted by law.

15.3. These Terms of Use constitute the entire agreement between you and the Company with regard to your use of our Sites, and any and all other written or oral agreements or understandings previously existing between you and the Company with respect to use of our Sites are hereby superseded and cancelled.

16. Your complaints

16.1. If you have a complaint, please contact us at [email protected] or Dojono Limited, 71-75 Shelton Street, London, Greater London, United Kingdom, WC2H 9JQ We will investigate your complaint. We will attempt to both resolve your complaint through investigation and to respond to you with the outcome.

16.2. We will acknowledge your complaint within five (5) working days of it being received by our complaints team. Your complaint will be handled by one of the complaints managers in the complaints team and they will issue you with an outcome of the investigation. We will attempt to both resolve your complaint through investigation and to respond to you with the outcome within four (4) weeks of receiving your complaint. If it looks as though our investigation may take longer than eight (8) weeks we will provide with an update on our progress. We will issue a final response letter within eight (8) weeks.

16.3. If you are not happy with our final response, you have the right to have your complaint dealt with by the Financial Ombudsman Service (“FOS”). To do so, you should contact FOS within 6 months of our final response to your complaint. You may write to FOS at the following address: The Financial Ombudsman Service, Exchange Service, London, E14 9SR.