Merchant Cash Advance

Funding repaid from a share of your card sales, so repayments flex with how busy you are.

Check indicative repayments

Check eligibility (soft search only)

Cost shown as

Factor rate, not APR

Repaid by

Share of card takings

Best for

Card-taking businesses

Typical amounts

£25k to £500k

Estimate the cost

Move the sliders to see an illustration of what a merchant cash advance could cost. Factor rates are shown as a total repayment multiplier, not an APR.

Advance amount (£)Estimated repayment period (months)

Factor rate

GoodAveragePoor

1.20

Estimated total repayable

£90,000

Advance amount: £75,000

Factor-based estimate only. Actual remittance varies with card sales.

How it works

A merchant cash advance gives you a lump sum that is repaid as a fixed percentage of your daily card sales, or sometimes a fixed daily or weekly amount. Busy days repay more, quiet days repay less.

Cost is expressed as a factor rate, such as 1.25, meaning you repay £1.25 for every £1 advanced.

That is easy to understand, but it can be an expensive form of finance, so we always show you lower-cost alternatives first when your company qualifies for them.

Common uses

Restaurants, retailers, salons and other card-heavy businesses

Seasonal stock or refurbishment before a busy period

Quick funding when you might not qualify for a bank loan

Short-term opportunities with a clear sales uplift

Advantages

Repayments move with your sales, which can ease pressure in quiet weeks

Often quicker to arrange than traditional lending

Usually no property or asset security

Credit profile matters less than your card sales history

Things to check

The total cost can be high compared with a standard loan

Settling early does not usually reduce the amount you owe

Daily or weekly collections affect cash flow, so check the repayment rate

Not suitable if most of your income is invoiced rather than paid by card

Questions about merchant cash advances

What is a factor rate?

Is a merchant cash advance a good idea?

Does repaying early save money?

What is a personal guarantee?

What is a debenture?

Tell us what you need

Share a few details and we will come back to you, usually the same working day. There is no obligation, and we only work with UK limited companies.

Tell us what you need

Share a few details and we will come back to you, usually the same working day. There is no obligation, and we only work with UK limited companies.

Speed: The more you tell us now, the faster we can match you with lenders.

A person, not a queue: You deal with the same person from first call to funding and beyond.

inquires@ironstonecf.co.uk

Speed: The more you tell us now, the faster we can match you with lenders.

A person, not a queue: You deal with the same person from first call to funding and beyond.

inquires@ironstonecf.co.uk