Merchant cash advance enquiries come from busy retailers, restaurants and service businesses with steady card takings. They value flexibility, and a broker who explains how repayments follow sales builds real trust.
Who is enquiring
UK business processing £5k+ per month in card takings.
Typical deals range £5k to £300k, over 6 to 18 months typical repayment, with 24 to 72 hours to fund.
Where a merchant cash advance helps
These are the situations we see most often:
- Restaurant kit or refit funded from future covers
- E-commerce inventory ahead of Q4
- Retail store expansion or refurbishment
- Emergency cash-flow when a term loan is declined
Signals that a lead is ready
A quick check on these points on your first call helps you move straight to the right lender:
- 6+ months of card takings history
- £5k+ monthly card turnover
- UK-registered business
- Sub-prime credit accepted
Making the conversation count
Ask about monthly card turnover and seasonality early. Showing how repayments flex with trading helps the owner feel confident about the next step.
Fast decisions on borrowers other funders decline, high volume, high commission.
Common questions
Is MCA FCA regulated?
Commercial MCA to Ltd companies is unregulated in the UK. Advances to sole traders under £25k can be regulated as consumer credit.
Do borrowers need a specific PSP?
No, most UK funders integrate with Worldpay, Stripe, Square, Elavon, Barclaycard and Adyen among others. We capture PSP at enquiry.
How fresh are these enquiries?
Delivered in real time. Most borrowers expect a call inside the hour and funding inside 72 hours.