Merchant Cash Advances
Upfront funding repaid via a share of future card sales
Pros
- Fast access to business funding
- Repayments flex with sales volume
Cons
- Typically more expensive than a standard business loan
- Best suited to businesses with steady card sales
About Merchant Cash Advances
A merchant cash advance gives a business upfront funding in exchange for a fixed percentage of future debit/credit card sales. It’s fast and flexible, but typically more expensive than a traditional business loan — worth comparing carefully against other funding options first.
How this works
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See how merchant cash advances compares to other options
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Get your options
A partner lender or broker explains your actual rates
Frequently asked questions
How is a merchant cash advance repaid?
Repayment is usually taken automatically as a fixed percentage of your daily card sales, so payments naturally flex up or down with your business’s trading volume.
Do you lend money directly?
No — Budget Cash Advance is a comparison/marketing service, not a lender. We introduce you to FCA-authorised lenders and brokers.
What is representative APR?
It’s the interest rate at least 51% of successful applicants will actually receive — your own rate may differ based on your circumstances.
What happens after I request a callback?
A partner lender or broker reviews your enquiry and explains your actual options and rates directly — there’s no obligation to proceed.
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