{"id":191958,"date":"2019-04-30T17:24:06","date_gmt":"2019-04-30T16:24:06","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=191958"},"modified":"2026-02-17T14:42:53","modified_gmt":"2026-02-17T14:42:53","slug":"merchant-cash-advance","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/business-loans\/merchant-cash-advance","title":{"rendered":"Compare business cash advances for 2026"},"content":{"rendered":"If you own a small business that relies heavily on sales, it can be difficult to borrow money &#8211; and you may be unsure of when you&#8217;ll sell enough to be able to pay it back.<\/p><p>If a decent portion of your sales goes through card payment, you may want to take a look at how business and merchant cash advances work.<\/p><h3 id=\"learnmore\">What is a business cash advance?<\/h3><p>A business cash advance is a form of unsecured business credit. You get a lump sum upfront from a lender, and you pay it back as a percentage of your business&#8217;s card sales.<\/p><p>Business cash advances don&#8217;t have a fixed term or interest rate. Instead, you&#8217;re charged a flat <em>fee<\/em> that&#8217;s agreed upon at the outset. You&#8217;ll know in advance exactly what the loan is going to cost you overall. By contrast, the repayment term is very flexible \u2013 and depends on how much money your business makes in sales.<\/p><p>This is the primary benefit of a business cash advance \u2013 if the going&#8217;s good, you clear your debt faster, and if things are slow, your contributions towards clearing the debt reduce proportionally. Either way, the overall cost remains the same.<\/p><p>With a <em>merchant<\/em> cash advance, the repayments are taken directly from your PDQ machine (credit card terminal) as a percentage of transactions, so you don&#8217;t have to do anything else &#8211; the money doesn&#8217;t even reach your account, it goes directly back to the lender.<\/p><div class=\"did-you-know u-bg--sky-subtle u-rounded--lg\" data-component=\"did-you-know\">\n        <div class=\"did-you-know__block\">\n        <h4 class=\"did-you-know__title\">\n            <span class=\"did-you-know__title-icon\">\n                <svg width=\"32\" height=\"32\" viewbox=\"0 0 32 32\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                    <circle cx=\"16\" cy=\"16\" r=\"12\" fill=\"#00B2FF\"\/>\n                    <path d=\"M17.5 22.5C17.5 22.7967 17.412 23.0867 17.2472 23.3334C17.0824 23.58 16.8481 23.7723 16.574 23.8858C16.2999 23.9993 15.9983 24.0291 15.7074 23.9712C15.4164 23.9133 15.1491 23.7704 14.9393 23.5607C14.7296 23.3509 14.5867 23.0836 14.5288 22.7926C14.471 22.5017 14.5007 22.2001 14.6142 21.926C14.7277 21.6519 14.92 21.4176 15.1667 21.2528C15.4133 21.088 15.7033 21 16 21C16.3978 21 16.7794 21.158 17.0607 21.4393C17.342 21.7206 17.5 22.1022 17.5 22.5ZM16 9C13.2425 9 11 11.0188 11 13.5V14C11 14.2652 11.1054 14.5196 11.2929 14.7071C11.4804 14.8946 11.7348 15 12 15C12.2652 15 12.5196 14.8946 12.7071 14.7071C12.8946 14.5196 13 14.2652 13 14V13.5C13 12.125 14.3463 11 16 11C17.6538 11 19 12.125 19 13.5C19 14.875 17.6538 16 16 16C15.7348 16 15.4804 16.1054 15.2929 16.2929C15.1054 16.4804 15 16.7348 15 17V18C15 18.2652 15.1054 18.5196 15.2929 18.7071C15.4804 18.8946 15.7348 19 16 19C16.2652 19 16.5196 18.8946 16.7071 18.7071C16.8946 18.5196 17 18.2652 17 18V17.91C19.28 17.4913 21 15.6725 21 13.5C21 11.0188 18.7575 9 16 9ZM29 16C29 18.5712 28.2376 21.0846 26.8091 23.2224C25.3807 25.3603 23.3503 27.0265 20.9749 28.0104C18.5995 28.9944 15.9856 29.2518 13.4638 28.7502C10.9421 28.2486 8.6257 27.0105 6.80762 25.1924C4.98953 23.3743 3.75141 21.0579 3.2498 18.5362C2.74819 16.0144 3.00563 13.4006 3.98957 11.0251C4.97351 8.64968 6.63975 6.61935 8.77759 5.1909C10.9154 3.76244 13.4288 3 16 3C19.4467 3.00364 22.7512 4.37445 25.1884 6.81163C27.6256 9.24882 28.9964 12.5533 29 16ZM27 16C27 13.8244 26.3549 11.6977 25.1462 9.88873C23.9375 8.07979 22.2195 6.66989 20.2095 5.83733C18.1995 5.00476 15.9878 4.78692 13.854 5.21136C11.7202 5.6358 9.76021 6.68345 8.22183 8.22183C6.68345 9.7602 5.63581 11.7202 5.21137 13.854C4.78693 15.9878 5.00477 18.1995 5.83733 20.2095C6.66989 22.2195 8.07979 23.9375 9.88873 25.1462C11.6977 26.3549 13.8244 27 16 27C18.9164 26.9967 21.7123 25.8367 23.7745 23.7745C25.8367 21.7123 26.9967 18.9164 27 16Z\" fill=\"#232320\"\/>\n                <\/svg>\n            <\/span>\n            <span class=\"did-you-know__title-text\">Typical scenario<\/span>\n        <\/h4>\n        <div class=\"did-you-know__content\">\n            <p>John owns an ice-cream truck and needs \u00a38,000 to renew its freezer and internal furniture. It&#8217;s the very beginning of spring, so he knows he&#8217;ll be making quite a bit of money over the next few months &#8211; he just doesn&#8217;t know exactly when the British weather will allow it.<\/p><p>He takes out a merchant cash advance, effectively selling \u00a39,500 of future sales to a lender for \u00a38,000. That&#8217;s a fixed fee for the lender of 18.75%.<\/p><ul class=\"list-10\"><li>Most of his London-based customers pay by card, and 18.75% of each card transaction for the next few months will go directly towards repaying his debt. On a \u00a310 card sale, John keeps \u00a38.13, while \u00a31.87 never reaches his account \u2013 instead it goes straight back to his lender.<\/li><li>John also gets quite a volume of cash payments, which won&#8217;t be affected.<\/li><li>Depending on how nice the spring turns out, he may be debt-free by June or a bit later \u2013 around October. Either way, he knows that the cash advance will have cost him the same amount overall, and repaying it will have been a hassle-free experience.<\/li><\/ul>\n        <\/div>\n    <\/div>\n<\/div>\n<h3>What&#8217;s the difference between a merchant cash advance and a business loan?<\/h3><p>Despite serving a similar purpose (providing finance for your business), business loans and merchant cash advances work quite differently. With a business loan, you also get a lump sum at the beginning, but you pay it back monthly (normally by direct debit) in a pre-agreed period of time, and pay either a fixed or variable rate of interest during that time.<\/p><ul class=\"list-10\"><li><strong>Acceptance criteria.<\/strong> It may be easier to get a merchant cash advance than a personal loan. Since repayment money is taken before even reaching your account, your credit score isn&#8217;t that important in establishing your willingness to pay the loan back.<\/li><li><strong>Application process.<\/strong> Unlike business loans, merchant cash advances are usually quite fast to set up.<\/li><li><strong>Interest rate.<\/strong> While comparing APR makes sense for a regular business loan (because the longer you keep the money, the more you&#8217;ll be charged), the interest you&#8217;ll pay on a merchant cash advance isn&#8217;t time-sensitive.<\/li><li><strong>Cost.<\/strong> Overall, business loans tend to be cheaper than merchant cash advances, but you&#8217;ll have to qualify and commit to an established repayment plan.<\/li><li><strong>Flexibility.<\/strong> This is the big one. Traditional business loans don&#8217;t offer much in the way of flexibility&#8230; if you have a lean month, well, tough luck. By contrast a merchant cash advance gives you breathing room when business is slow, or clears debt faster when business is good.<\/li><\/ul><h3>How should I compare merchant cash advances?<\/h3><p>Merchant cash advances can be a bit tricky to compare, because you&#8217;ll have to rethink the way you usually look at loans &#8211; remember, the amount of time you keep the money for isn&#8217;t the main factor anymore. Look at:<\/p><ul class=\"list-10\"><li><strong>Initial fee.<\/strong> Considering that merchant cash advances come with no arrangement or late payment fees, that&#8217;s really the only factor to consider to work out the cost. Think of it as a percentage to make the comparison between lenders easier &#8211; for example, if you borrow \u00a310,000 and are asked to pay back \u00a312,500, you&#8217;re being charged a 25% fee. What makes this trickier, however, is that the fee will often vary dependent on the lenders&#8217;s assessment of your individual circumstances.<\/li><li><strong>Eligibility requirement.<\/strong> You may be able to get a merchant cash advance even if your business credit score isn&#8217;t ideal, but depending on the lender there&#8217;ll still be criteria to meet. Some providers only lend money if you have at least 12 months of merchant statements to show them, for example. Many providers have an eligibility checker that will tell you how likely you are to be accepted for a loan without impacting your credit score \u2013 use it.<\/li><li><strong>How much money you need.<\/strong> You can usually get the equivalent of one month of your card takings, but different lenders may be able to lend more or less.<\/li><li><strong>How long you need it for.<\/strong> Again, different lenders may offer different options, but most importantly: if you have a definite answer to the question, you may be better off with a more conventional (and cheaper) type of business finance.<\/li><li><strong>Overall cost.<\/strong> If you&#8217;re comparing different types of business finance (for example, merchant cash advances and regular business loans), it may help you to leave APRs and rates aside for a second and think of how much the whole operation is going to cost you in absolute terms.<\/li><\/ul><h3>Applying for a merchant cash advance<\/h3><p>If you&#8217;ve decided to go for a merchant cash advance, compared providers and checked your eligibility, you&#8217;re ready for the actual application. Here&#8217;s what you&#8217;ll likely need:<\/p><ul class=\"list-1\"><li>Your personal details.<\/li><li>Your business details (including its monthly income and what it does).<\/li><li>Proof of identity and address.<\/li><li>6 to 12 months of merchant statements (the lender will want to know how much your business usually makes in credit card transactions).<\/li><li>Your business bank statements.<\/li><\/ul><h3>Pros and cons of merchant cash advances<\/h3><div class=\"fin-pros-cons\">\n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Pros<\/h4>\n            <ul class=\"icon-list icon-list--check-circle\">\n                                    <li>Quick to set up.<\/li>\n                                    <li>You may be eligible even with a less-than-ideal credit score.<\/li>\n                                    <li>No extra fees \u2013 you'll know how much you'll pay from the beginning.<\/li>\n                                    <li>Repayments are tied to your revenue \u2013 if you're not earning much, you won't have to pay back much.<\/li>\n                            <\/ul>\n        <\/div>\n    \n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Cons<\/h4>\n            <ul class=\"icon-list icon-list--x-circle\">\n                                    <li>Can be more expensive than many other types of business finance.<\/li>\n                                    <li>If only a little portion of your revenue comes from credit card payments, you won't be able to borrow much.<\/li>\n                                    <li>Some lenders only work with specific terminal providers, which may in some cases cut you out from the best deals.<\/li>\n                                    <li>Repaying the loan early won't save you money.<\/li>\n                            <\/ul>\n        <\/div>\n    <\/div>\n<h3>Alternatives to merchant cash advances<\/h3><p>If you need finance but also flexibility, you can also consider:<\/p><ul class=\"list-10\"><li><strong>A business credit card.<\/strong> A <a href=\"https:\/\/www.finder.com\/uk\/business-credit-cards\">business credit card<\/a> can be a good idea if you need a bit of flexibility for your monthly expenses and are also looking to improve your credit score.<\/li><li><strong>A business line of credit.<\/strong> A <a href=\"https:\/\/www.finder.com\/uk\/business-loans\/business-line-of-credit\"> business line of credit <\/a> is a loan (or series of loans) that you draw down at your convenience (taking only as much as you need at the time). Subject to a minimum monthly repayment, you can pay back as much or as little as you like each month. If your business makes money more from invoices than from credit card transactions, <a href=\"https:\/\/www.finder.com\/uk\/business-loans\/invoice-financing\">invoice financing could be a solution<\/a>.<\/li><\/ul><h3>Frequently asked questions<\/h3><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">What is a merchant cash advance broker?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\">It&#8217;s a company that doesn&#8217;t directly lend you money, but assesses your business&#8217;s circumstances and puts you in touch with potential lenders. <\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">How much can you borrow with a merchant cash advance?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\">Usually from as little as \u00a32,500 to as much as \u00a3500,000. Typically you can borrow a month worth of credit card takings.<\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\n        <span class=\"luna-accordion__title\">Can a start-up get a business cash advance?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000002\" data-accordion=\"details\">\n    <div class=\"accordionContent\">It is possible for a start-up to be approved for a business cash advance. In fact, this option is often snapped up businesses that aren&#8217;t available for more affordable business loans. Of course, before applying, you should check your business meets the eligibility criteria of the lender.  <\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000003\" data-toggle=\"collapse\" data-target=\"#accordion0000000003\">\n        <span class=\"luna-accordion__title\">How much interest do you pay on merchant cash advances?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000003\" data-accordion=\"details\">\n    <div class=\"accordionContent\">It depends on your circumstances, but you can usually be charged between 20% and 40% of the loan&#8217;s value. As we said, merchant cash advances aren&#8217;t necessarily the cheapest option when it comes to business finance.<\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000004\" data-toggle=\"collapse\" data-target=\"#accordion0000000004\">\n        <span class=\"luna-accordion__title\">Do I need collateral to get a merchant cash advance?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000004\" data-accordion=\"details\">\n    <div class=\"accordionContent\">No, you don&#8217;t. Merchant cash advances are an unsecured type of loan.<\/div>\n  <\/div>\n<\/li><\/ul> <article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms \"best\", \"top\", \"cheap\" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\" class=\"fin-text-navy\">terms of use<\/a>. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.<\/div><\/article>","protected":false},"excerpt":{"rendered":"<p>Merchant cash advances allow you to get a loan and only pay it back when your business actually makes money. Find out how they work and compare providers.<\/p>\n","protected":false},"author":653,"featured_media":191999,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":""},"categories":[2866],"tags":[],"asset_tag":[],"class_list":["post-191958","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business-loans"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Compare business and merchant cash advances | 2026<\/title>\n<meta name=\"description\" content=\"Borrow a lump sum for a flat fee with peace of mind, by making repayments that are relative to your takings. Compare lenders and limits and apply online.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.finder.com\/uk\/business-loans\/merchant-cash-advance\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Compare business cash advances for 2026\" \/>\n<meta property=\"og:description\" content=\"Borrow a lump sum for a flat fee with peace of mind, by making repayments that are relative to your takings. 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