Merchant Cash Advance
A Merchant Cash Advance (MCA) is a flexible funding solution that works in sync with your card sales. If your business takes payments through a card terminal or online payment system, an MCA gives you an upfront lump sum — repaid through a small, fixed percentage of your future takings until the loan is repaid in full.
There’s no fixed term or monthly repayment. You pay back more when you’re busy, and less when you’re not. It’s a smart, sales-linked way to manage cash flow without the pressure of traditional loans.
Flexible Funding That Moves with Your Sales
Merchant Cash Advances are a flexible funding option for businesses with card revenue — such as shops, restaurants, online retailers, and salons. Whether you’re buying stock, upgrading your space, or launching a new product, you’ll get fast access to capital with repayments that match your sales flow.
Instead of fixed monthly repayments, you’ll agree a fixed percentage of future card sales upfront — meaning repayments automatically adjust to your takings. It’s a smart solution that supports cashflow without adding pressure during quieter periods.
To understand how this type of funding fits into your broader cash strategy, read our article: The role of working capital finance for SMEs. Origin is here to help you grow with confidence.
Are high upfront costs pricing your business out of a Merchant Cash Advance? Distributing payments over a period of time could help significantly.
How Does a Merchant Cash
Advance Work?
Merchant Cash Advances sit within our wider Business Loan range and are designed to help businesses unlock funding based on their card transaction volumes. The higher your card takings, the more you can typically borrow. Where eligible, they can be backed by the Government-supported Growth Guarantee Scheme.
Once you’re ready, an Account Manager will assess your recent card sales and match you with suitable MCA providers from our panel of specialist lenders. Offers are usually approved within 24 hours. Once accepted, the funds are paid directly into your business account, typically within a further 24 hours.
You can also explore our website tools to support your decision making, including our repayment calculators to get a clear idea of monthly costs, and our eligibility checker for a quick, commitment-free check on potential funding options.
Commercial Merchant Cash Advance Key Points
Funding from £10,000 to £1,000,000.
Repay through a fixed percentage of future card sales.
Perfect for retail, hospitality, salons, and ecommerce businesses.
Flexible repayments that rise and fall with your income.
Origin are a finance broker and we will pair you with the most suitable lender on our panel.
Short-Term Loans FAQs
Do I need a card terminal to qualify?
Do I need to change my card terminal provider?
How do I know if I’m eligible for Merchant Cash Advance?
How fast can I receive the funds?
How is a Merchant Cash Advance repaid?
How much can I borrow?
Is a Merchant Cash Advance a loan?
What can I use a Merchant Cash Advance for?
What different finance solutions does Origin offer?
