Business lending
Merchant cash advance that flexes with your card sales.
Get an advance based on your card takings and repay automatically as a share of each day's sales — more when you're busy, less when it's quiet.
Check merchant cash advance fit
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Check merchant cash advance optionsFree to enquire · subject to status and provider criteria
- Repayments flex with your card takings rather than a fixed monthly amount.
- Designed for card-taking retail and hospitality businesses.
- One short enquiry to compare suitable providers.
What a merchant cash advance is
A merchant cash advance (MCA) gives a business an up-front sum that is repaid as an agreed percentage of its future card takings. Instead of fixed monthly payments, you repay a little more on busy days and less on quiet ones.
Who it suits
MCAs are built around card revenue, so they tend to suit retail, hospitality and other businesses that take a lot of card payments and want repayments that move with trade. Providers look at your card turnover to size the advance.
What to weigh up
The flexibility of card-linked repayment is the main draw, but the total cost and the repayment share matter — compare the overall cost against other options such as a business loan. We present these products plainly and avoid pressure tactics.
How Muve handles your enquiry
Muve captures a few details about your business and card takings, then reviews and routes the enquiry manually. Lender names and routing rules are not shown on the public page.
Why compare with Muve
- For UK incorporated businesses that take card payments.
- Manual review before routing to a finance partner.
- Introducer, not a lender.
Pros and cons
Pros
- Repayments flex with your card takings.
- No fixed monthly payment to meet.
- Suited to card-heavy retail and hospitality.
Watch-outs
- Total cost can be higher than a standard loan — compare carefully.
- Only suits businesses with significant card sales.
- The repayment share reduces daily takings until it's repaid.
What it costs
An MCA's cost is usually a fixed fee (a factor) on the amount advanced, repaid as a share of your card takings. There's no APR in the usual sense, so compare the total amount repayable against other options.
- Your monthly card takings.
- The advance amount and the agreed repayment share.
- The provider's fixed fee (factor rate).
What you'll need to enquire
- Your registered company name (we'll find you on Companies House).
- Your monthly card takings.
- How much funding you need.
- Your trading history.
Ready to see which finance routes could fit?
Check merchant cash advance optionsFrequently asked questions
How are repayments made?
Repayments are taken automatically as an agreed share of your card takings, so they rise and fall with your sales. The exact share and cost depend on the provider and are subject to status.
Is a merchant cash advance a loan?
It's a commercial funding product repaid from card sales rather than a standard fixed-term loan. Compare the overall cost against other options before deciding.
What do providers look at?
Mainly your card turnover and trading history. Amounts are usually sized against your card takings. Any facility is subject to status and provider criteria.
Who can apply?
Merchant cash advances through Muve are for UK incorporated businesses — limited companies, PLCs and LLPs — that take card payments.
Written by the Muve editorial team.