If you’re looking for a Merchant Cash Advance ranging from $1,000 to $1 million and aren’t sure which company can help you secure that funding, you’re in the right place. In this article, we’ll discuss the top 8 Merchant Cash Advance companies in the UK that can provide you with fast funding solutions. Let’s get started.
1. Paymentsave
Paymentsave is a trusted card machine provider in the UK, also offering Merchant Cash Advances to over 5,000 customers. Known for its low factor rates, Paymentsave provides businesses with quick and easy access to funds without hidden fees. Whether you need to buy stock, manage expenses, or expand, Paymentsave helps UK businesses grow by offering flexible, revenue-based repayment solutions.
Key Features:
- Low factor rates
- Flexible repayment based on your revenue
- Supports a wide range of UK businesses
- No hidden fees
- Trusted by over 5,000 customers
2. 365 Business Finance
365 Business Finance offers unsecured merchant cash advances to businesses needing between £5,000 and £200,000. With no fixed monthly payments, repayments are automatically taken as a small percentage of your daily debit and credit card sales, making it flexible and easy to manage. Approval is quick, with decisions made within 24 hours, and no security or business plan is required.
Key Features:
- Unsecured finance up to £200,000
- No fixed monthly payments
- Repayments tied to card sales
- Approval within 24 hours
- Easy application process online
3. Capify
Capify provides merchant cash advances to various businesses, including retailers, restaurants, pubs, and bars. They offer funding from £5,000 to £500,000, with repayments automatically deducted from your card sales. This method allows businesses to manage their cash flow easily, paying more when sales are high and less when they’re not. A dedicated account manager helps ensure smooth application and funding.
Key Features:
- Loans up to £500,000
- Repayments linked to card sales
- Suitable for businesses trading for over 6 months
- Dedicated account manager for support
- No impact on cash flow
4. iwoca
iwoca offers merchant cash advances starting from £1,000 up to £50,000, with quick access to funds in just 24 hours. Instead of paying interest, iwoca charges a fixed fee, ensuring transparency. This option is perfect for businesses looking for fast, flexible funding based on their revenue. The repayment schedule adjusts to your business performance, making it manageable.
Key Features:
- Loans from £1,000 to £50,000
- Fixed fee with no interest
- Repayment based on revenue
- Funds available in 24 hours
- Highly rated on Trustpilot
5. Liberis
Liberis provides revenue-based funding for small businesses, partnering with global companies to offer flexible merchant cash advances. If your business takes over £2,500 in monthly card sales, you could be eligible. Repayments are made through your card sales, and most businesses receive funds within 48 hours. Liberis charges a single fixed cost instead of interest.
Key Features:
- Flexible repayments through card sales
- Single fixed cost with no interest
- Suitable for businesses with £2,500+ in monthly card takings
- Fast funding within 48 hours
- Apply through global partners
6. Merchant Money
Merchant Money offers transparent merchant cash advances of up to 100% of your average monthly card turnover, with loans ranging from £5,000 to £500,000. The factor rate starts at 1.15, and funding is typically available within 24 hours. Merchant Money supports all card terminal providers and offers top-ups after 4 months.
Key Features:
- Loans up to £500,000
- Flexible repayments based on card turnover
- Factor rate starting at 1.15
- Works with all card terminal providers
- Top-up option after 4 months
7. Nucleus Commercial Finance
Nucleus Commercial Finance offers a business cash advance, allowing companies to borrow up to 175% of their monthly card sales, with loan amounts ranging from £3,000 to £2 million. With flexible repayment terms, businesses can repay based on their revenue. The cost is fixed, with no interest and no hidden fees. To be eligible, businesses must be registered in England or Wales and have been trading for over 4 years.
Key Features:
- Loans from £3,000 to £2 million
- Borrow up to 175% of monthly card sales
- Flexible repayments based on revenue
- Fixed cost, no hidden fees
- Quick decisions on funding
8. YouLend
YouLend provides revenue-based financing to card merchants with loan amounts starting from £500 and going up to £1 million. The repayment is flexible, with a percentage of daily card sales automatically deducted to repay the loan. YouLend is known for quick decisions and can be integrated with online sales within just 7 days. It’s also highly rated on Trustpilot.
Key Features:
- Loans from £500 to £1 million
- Revenue-based repayment
- Fast approval process
- Automatic repayments from card sales
- Highly rated on Trustpilot
By choosing any of these top Merchant Cash Advance providers, including Paymentsave, UK businesses can access quick, flexible funding options tailored to their specific needs. Whether you’re looking to manage daily expenses, invest in stock, or expand your business, these companies provide the solutions you need to thrive.
Here is a comparison table of the top 8 Merchant Cash Advance (MCA) companies in the UK, including Paymentsave:
| Company | Loan Range | Repayment Structure | Factor Rate | Approval Time | Minimum Requirements | Key Features |
| Paymentsave | Custom | Percentage of future sales | Low factor rate | Quick approval | Business must accept card payments | Flexible repayment based on revenue, low factor rate, no hidden fees, trusted by over 5,000 businesses |
| 365 Business Finance | £5,000 – £200,000 | Percentage of card sales | Not specified | 24 hours | No security or business plan needed | Unsecured, flexible repayment, fast approval, easy online application |
| Capify | £5,000 – £500,000 | Percentage of card sales | Not specified | Quick approval | 6 months trading, £6,000+ in card payments per month | Suitable for retailers, pubs, restaurants, flexible repayments, dedicated account manager |
| iwoca | £1,000 – £50,000 | Revenue-based | No interest, fixed fee | 24 hours | Monthly turnover, covers 12.5% of cost every 3 months | Fast approval, no interest, fixed fee, highly rated on Trustpilot, repayment adjusts to revenue |
| Liberis | Custom | Repayment through card sales | Single fixed cost | 48 hours | £2,500+ in monthly card takings, 4+ months trading | Flexible repayment, single fixed cost, no interest, fast funding, partnerships with global companies |
| Merchant Money | £5,000 – £500,000 | Percentage of card sales | Starting at 1.15 | 24 hours | Flexible based on card turnover | Transparent terms, top-ups after 4 months, works with all card terminal providers |
| Nucleus Commercial Finance | £3,000 – £2 million | Percentage of card sales | Fixed agreed cost | Fast decision | Registered in England or Wales, 4+ years trading | Borrow up to 175% of monthly card sales, flexible repayment, fixed cost, no hidden fees |
| YouLend | £500 – £1 million | Percentage of daily card sales | Fixed fee | Fast decision | Card merchant, embedded into online sales within 7 days | Fast decision, automatic repayment from card sales, revenue-based financing, highly rated on Trustpilot |