We review your card sales
We look at your recent card-processing statements, trading history and funding requirement.
Merchant Cash Advance
Flexible business funding with repayments linked to your card sales.
Merchant Cash Advance built for your business
What to expect from a Merchant Cash Advance arranged by Foundry — specialist providers compared and the total repayment explained clearly.
Best for
Businesses taking regular debit and credit card payments.
Funding amount
Based on your card turnover and overall business circumstances.
Repayments
An agreed percentage of your future card sales.
Decisions
Fast decisions may be available in suitable cases.
Your weekly card takings
An agreed percentage is repaid from each week’s sales
Repayments follow your sales
W1W2W3W4W5W6W7W8
Card salesAgreed % repaidFixed loan repayment
Repaid towards the total
58%
What is a Merchant Cash Advance?
A Merchant Cash Advance provides your business with an upfront amount of funding in return for an agreed percentage of future card sales.
Rather than making the same fixed repayment each month, the amount collected moves in line with your card takings. This means you repay more when sales are stronger and less during quieter trading periods.
It can be a flexible option for businesses in sectors such as hospitality, retail, leisure and beauty, where a large proportion of customer payments are made by card.
At Foundry Commercial Finance, we’ll take the time to understand your card turnover, funding requirement and cash flow before helping you explore the available options.
What can a Merchant Cash Advance be used for?
Have a different funding requirement? Speak to us and we’ll help you understand whether a Merchant Cash Advance or another funding option may be more suitable.
Built for businesses that take card payments
A flexible option in sectors where a large proportion of customer payments are made by card.
Hospitality
Restaurants
Cafés
Bars & pubs
Takeaways
Retail
Leisure
Beauty salons
Hair & barbers
Gyms & studios
Benefits of a Merchant Cash Advance
Funding that moves with your trading — repaying more when sales are strong and less when they are quieter.
Repayments linked to sales
The amount collected moves in line with your card takings.
Greater flexibility
Repayments are higher during stronger trading periods and lower when card sales reduce.
Fast access to funding
Straightforward applications may progress quickly once the required information has been provided.
Flexible use of funds
Use the funding across different areas of your business, from stock and marketing to improvements and working capital.
No fixed monthly repayment
There is no traditional fixed monthly instalment — the repayment period varies with your future card sales.
Is it the right fit?
A Merchant Cash Advance can provide flexibility, but it may not always be the most suitable or lowest-cost option. We’ll consider the alternatives and explain the total amount repayable before you proceed.
How does a Merchant Cash Advance work?
Repayments move in line with your card sales rather than staying fixed each month.
You receive an offer
The provider confirms the funding available, the total amount repayable and the percentage that will be collected from future card sales.
Funding is released
Once the agreement has been accepted and completed, the funds are paid to your business.
Repayments follow your sales
An agreed percentage is collected from future card takings until the total repayment amount has been reached.
Merchant Cash Advance or Business Loan?
Business Loan
- Usually repaid through fixed monthly instalments
- Assessed against wider business affordability
- Normally repaid over an agreed term
- May be available on a secured or unsecured basis
Merchant Cash Advance
- Repayments linked to card sales
- Funding based heavily on card turnover
- No traditional fixed monthly repayment
- Repayment period varies depending on future sales
A Merchant Cash Advance can provide flexibility, but it may not always be the most suitable or lowest-cost option. We’ll consider the alternatives and explain the total amount repayable before you proceed.
Why choose Foundry for a Merchant Cash Advance?
Providers differ in their criteria, pricing and repayment structures. It is important to understand both the total amount repayable and the impact deductions may have on your future cash flow.
At Foundry Commercial Finance, we’ll take the time to understand your business and compare suitable options from across our panel of specialist providers.
An experienced broker will manage your application, explain the proposed structure clearly and consider whether another form of finance may be better suited to your business.
01
Access to specialist providers
02
Clear explanation of the total repayment
03
An experienced broker managing your application
04
Alternative funding options considered
Frequently asked questions
Straight answers to the questions business owners ask us most often.
Speak to an expertHow much funding can I receive?
The amount available will normally depend on your average card turnover, trading history, existing commitments and the provider’s assessment of your business.
How are repayments collected?
An agreed percentage is normally deducted from future card sales until the total repayment amount has been collected.
The collection method may depend on the provider and your card-payment setup.
Is a Merchant Cash Advance a Business Loan?
It is structured differently from a traditional Business Loan.
Instead of fixed monthly instalments over a set term, repayments are linked to future card sales.
How quickly can funding be arranged?
Straightforward applications may progress quickly once your card-processing statements, business bank statements and other required information have been provided.
What happens when card sales are lower?
Because deductions are calculated as a percentage of card sales, the amount collected should reduce when your card turnover is lower.
Can start-up businesses apply?
Most providers will want to see an established history of card sales.
Options for newer businesses will depend on their trading history, card turnover and overall circumstances.
Do I need to change my card-payment provider?
This depends on the provider and how repayments are collected.
Some facilities may work alongside your existing arrangement, while others may require changes to your card-processing setup.
What information will I need?
This may include:
- Recent card-processing statements
- Recent business bank statements
- Details of existing borrowing
- Business and director information
- An explanation of how the funding will be used
We’ll tell you exactly what is required before the application is submitted.
Ready to explore your funding options?
Whether you’re investing in stock, improving your premises or supporting day-to-day cash flow, we’ll help you explore the Merchant Cash Advance options available.
Speak to an expertNo pressure. Just a straightforward conversation about your business and what you’re looking to achieve.
Prefer email or WhatsApp?