Merchant Cash Advance for UK Businesses
A merchant cash advance provides funds that are usually repaid from a share of future card takings. We explain how it works, whether it may suit you, and introduce you to a suitable provider.
Estimate your advance
Move the sliders to see how a cash advance repaid from card sales could look. The figures are examples you can change.
Illustrative estimate only, not an offer or a quote. Your provider sets the amount, fee and repayment terms after assessing your business.
Discuss these figures with usWhat providers often look at
- Card sales through a terminal or online checkout
- How long you have been trading
- Your business bank account
- Identity of the owner or director
- Recent card processing statements
Minimum trading time and card sales vary by provider.
MCA or a business loan?
| MCA | Business loan | |
|---|---|---|
| Repayment | Usually a share of card sales | Usually fixed instalments |
| Cost shown as | A flat fee agreed up front | Interest and fees |
| Security | Varies by provider | Often asked for |
| Best suited to | Regular card takings | Planned, predictable borrowing |
Why businesses look for this
- You need working capital for stock, premises or a cash-flow gap.
- You are unsure how MCA repayments differ from a term loan.
- Your bank was slow or declined.
How it works
- Tell us what you need the funds for.
- We explain the options in plain English.
- With your consent, we introduce suitable partners.
- The provider assesses you and explains terms directly.
Who may benefit
Businesses with regular card payments: retail, hospitality, salons, services.
Limitations to know about
- Costs and repayments vary by provider and can be higher than other finance.
- Approval is decided only by the provider.
- No guaranteed approval, speed or rate.
Our role: Introducer. The finance provider, not Redstar Marvida, assesses, approves and lends.
Questions
Do you lend the money?
No. We introduce you to finance providers who make all lending decisions.
Can you guarantee approval?
No. Approval depends on the provider's assessment.
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