Commercial Finance
Merchant Cash Advance
Repayment aligned to card takings, flexing with trading patterns.
Overview
What it is
Capital advanced against future card takings and repaid as an agreed percentage of each day's settled sales. There is no fixed monthly instalment: quiet trading weeks cost less, strong weeks clear the balance faster.
Why you might need it
For retail, hospitality and consumer-facing businesses with uneven trade, a fixed repayment can bite in the wrong month. Repaying in step with takings keeps the funding proportionate to what the business is actually earning.
Suitable for
Retail, hospitality and consumer-facing businesses.
Typical uses
- Seasonal stock
- Refurbishment
- Cashflow smoothing
How We Work
The process, end to end.
Consultation
A private conversation to understand the business, the asset and the objective.
Assessment
We review performance, security and appetite before approaching any lender.
Structure
The facility is designed and modelled ahead of the market.
Execution
Terms negotiated, credit managed and completion delivered to timetable.
Consultation
Let's Discuss Your Objectives.
An initial conversation is private, unhurried and without obligation. We will tell you plainly whether we can help, and what we would do first.
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