Unsecured business funding repaid as a percentage of future card sales — fast to arrange, with no property required as security.
Merchant cash advance suits businesses that take regular card payments and need funding without offering property as security.
Shops, cafés, restaurants, and other card-heavy businesses with consistent transaction volume are typically well suited to this type of funding.
Repayments flex with turnover, so quieter months mean lower repayments — useful for businesses with seasonal trading patterns.
No property security required, and decisions can often be made quickly based on card sales history rather than a lengthy underwriting process.
Monthly card turnover and the amount you're looking to raise — this is the main factor lenders assess.
We match your turnover profile against providers most likely to offer competitive terms.
Based mainly on card sales history rather than lengthy financial underwriting, decisions are typically much faster than a secured loan.
Repayments are then taken automatically as a fixed percentage of future card sales until the advance is repaid.
Estimate your total repayment and daily/weekly cost based on a typical factor rate. This is a guide only — actual terms depend on your turnover and provider.
A factor rate is a fixed multiplier applied to the advance to determine the total repayment amount — for example, a £30,000 advance at a 1.2 factor rate means £36,000 is repaid in total. It isn't expressed as an annual percentage rate (APR) like a loan.
No — merchant cash advance is typically unsecured against property. It's assessed mainly on your business's card turnover history.
Because repayments are a percentage of card sales, they typically reduce automatically during quieter periods, rather than staying fixed like a traditional loan repayment.
Merchant cash advance is often one of the faster funding options available, since it's based on existing card sales data rather than a full underwriting process.
Ace Finance UK arranges unregulated finance products only. Merchant cash advance is a commercial funding product repaid via a percentage of card sales; it is not a regulated credit agreement and does not involve a fixed interest rate or APR. Figures shown by the calculator on this page are estimates only and do not constitute a funding offer.
Ace Finance UK is not authorised or regulated by the Financial Conduct Authority. We do not arrange regulated activity of any kind and do not provide regulated financial advice.