Funding To Grow Your Business
Grow your business with rapid business funding. We can help you with Merchant Cash Advances from £1,000 to £2 million. We usually get you a decision within 24 hours and funding within 48 hours, there’s also no credit check.
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How it works
1
check then Apply
Check if you qualify online and get a result in less than 30 seconds. If you qualify then finalise your application.
2
get a decision
You'll receive a decision quickly from our lenders, if you wish to proceed then you'll need to send some ID & sign some documentation.
3
funds paid in 48hrs
Once accepted by you and our team have done their final checks the funds will be paid into your bank account within 48hours!.
Unlock Cashflow
Release funds from potential future card sales to fund your business growth.
Pay Through Sales
Repay your cash advance with a % of your card sales taken.
No Hidden Costs
The cost of the advance stays the same regardless of how long it takes to repay it and no interest!.
lets talk Merchant Cash Advance
Every business reaches a point where access to fast, flexible finance can make a real difference. Whether you are looking to invest in growth, cover a short term cash flow dip, or take advantage of an exciting new opportunity, the ability to secure funding quickly and with minimal hassle is essential. At Payments World, we provide a funding solution designed for the modern business landscape: the merchant cash advance.
A merchant cash advance is a simple and adaptable way to unlock working capital. If your business accepts card payments, you could receive between £1,000 and £2,000,000 in as little as 48 hours. Repayments are not made in fixed monthly instalments but instead come from a small percentage of your future card sales. This makes a merchant cash advance a far more flexible and manageable option compared to traditional loans.
In this guide, we explain how merchant cash advances work, what they can be used for, how to apply, and why Payments World is the right partner for helping your business grow.
what is a merchant cash advance?
A merchant cash advance, often referred to as an MCA, provides your business with a lump sum of capital upfront. Instead of repaying through set monthly payments, the advance is paid back through a small, agreed percentage of your card sales. This repayment method automatically adjusts in line with your business performance. On busy days you repay more, and during quieter periods, you repay less.
This approach is ideal for businesses that rely on card transactions such as restaurants, retailers, salons, online shops, and service providers. Because repayments are tied to your income, they remain affordable throughout the term of the advance. There is no fixed repayment schedule and no pressure to meet specific deadlines.
Applying for a merchant cash advance is straightforward. Your business applies for funding by providing details such as trading history and average monthly card turnover. Once approved, the agreed funds are deposited directly into your business bank account. Repayments then begin automatically as a small percentage of your daily or weekly card takings.
For example, if your business takes £30,000 per month in card payments, you might be eligible for a £25,000 advance. If you agree to repay 10 percent of your card sales, then £100 from a £1,000 daily turnover would be automatically deducted. If you take less on a given day, your repayment would be smaller too. This flexibility allows you to manage repayments in a way that suits your business’s rhythm and seasonality.
There is no interest in the traditional sense. Instead, you will be quoted a clear, fixed fee upfront, so you always know the full cost of the funding. This makes merchant cash advances more transparent than many other forms of business finance.
what can a cash advance be used for?
The versatility of a merchant cash advance makes it suitable for a wide range of business needs. Some of the most common uses include Expanding your premises or opening a new location, upgrading equipment or investing in technology, buying stock or materials to meet demand, launching a new marketing campaign or website, covering unexpected bills or emergency repairs, bridging cash flow gaps during seasonal downturns, hiring staff or providing staff training.
Because there are no restrictions on how you use the funds, you are free to put the money wherever it will deliver the most value. Whether you need to invest in growth or just get through a challenging month, the choice is yours.
how does a cash advance differ from a traditional loan?
While both merchant cash advances and traditional loans can help your business access capital, they work in very different ways.
A traditional business loan involves borrowing a fixed sum and repaying it through set monthly instalments over a fixed term. These repayments do not change, regardless of how well your business is performing. If sales dip, the fixed repayment can put a strain on your cash flow.
A merchant cash advance, by contrast, offers complete flexibility. Repayments are directly linked to your revenue, so when sales are lower, you repay less. This structure is designed to help your business maintain financial stability even in slower periods.
Loans often require collateral or personal guarantees. Merchant cash advances are unsecured, which means there is no risk to your assets. Credit history is not the only factor either. Eligibility is based primarily on your card sales, so even newer businesses or those with a limited credit history may qualify.
Loans typically involve lengthy applications and weeks of waiting. With Payments World, you can apply for a merchant cash advance in minutes, get a decision within 24 hours, and receive the funds within 48 hours. It is business funding without the wait.
Who Can Apply For a Cash Advance?
If your business processes card payments and has been trading for at least four to six months, there is a strong chance you will qualify for a merchant cash advance. We work with a wide variety of businesses, including Retail shops and boutiques, Restaurants and takeaways, Cafés, bars and pubs, Hairdressers and beauty salons, E-commerce businesses, Tradespeople and contractors, Gyms, wellness centres and clinics.
Whether you are an established high street brand or a growing online retailer, as long as your business receives regular card payments, we can help you access the funding you need.
how to apply?
We have made the application process quick and easy. You do not need to submit pages of paperwork or attend face-to-face meetings. Simply complete our short online form with the following:
- Basic information about your business
- Monthly card sales or average card turnover
- The amount of funding you are looking for
- Your contact details so we can reach you quickly
Once we receive your application, our team will assess your business and provide a decision within 24 hours. If approved, you could have the funds in your account in as little as 48 hours. From there, repayments will automatically be deducted from your future card sales, leaving you free to focus on growing your business.
why choose payments world?
At Payments World, we understand that small and medium sized businesses need support that is fast, flexible and practical. We are committed to helping business owners across the UK access the funding they need, with none of the stress associated with traditional lending. Here is what makes us different:
Speed:
Apply in minutes, receive a decision in 24 hours, and get your funds within 48
Flexibility:
Repayments automatically adjust in line with your daily sales
Transparency:
Clear costs upfront, no hidden fees or surprise charges
Accessibility:
No security required and less focus on credit history
Support:
A dedicated team to help you throughout the process
We have helped thousands of UK businesses secure funding on their terms. Whether you are growing, recovering or reinventing your business, our team is here to help you do it with confidence.
A merchant cash advance from Payments World could be the key to unlocking your business’s next chapter. It is fast, flexible and designed to support the way your business operates in the real world. Whether you are planning a renovation, preparing for a busy season or simply staying ahead of expenses, we can help you move forward without delay.
Apply today by filling out our simple online form. Let us know how much you need, tell us a bit about your business, and we will do the rest. You will receive a decision within 24 hours and, if approved, the money can be in your account within 48 hours.
Secure funding that moves with your business. Choose Payments World and take the next step with confidence.
There are also other options available for business funding too for example government loans or grants depending on your business type, startup loans, traditional bank loans and crowdfunding,. We believe that merchant cash advance is a great option but any business should assess their financial situation and look for payment terms that suit their needs. Should you have any questions then please reach out via our contact page.
Like this article? then why not check out the rest at our blogs page.
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Frequently Asked Questions
Most frequent questions and answers
A merchant cash advance is a type of alternative business funding that provides a lump sum in exchange for a percentage of your future card sales. Instead of fixed monthly repayments, the lender takes a small agreed percentage from your daily or weekly card takings until the advance is repaid. This makes it flexible, as repayments automatically adjust based on your business performance.
MCAs are most suitable for businesses with regular card transactions, such as retail shops, restaurants, salons, e-commerce sites, or hospitality venues. If your business has strong card turnover but lacks collateral or struggles with traditional loans, a merchant cash advance can be a fast and accessible funding option. It may not be ideal if you rely more on cash or bank transfers.
Most providers can issue funds within 24 to 72 hours of approval, depending on the size of the advance and the documentation provided. Approval is usually based on recent card processing history, not your credit score, which makes the process quicker and more accessible than a standard business loan.
Payments World partners with a panel of MCA lenders and acquiring banks across the UK. We assess your card turnover, business type and funding goals, then match you with the most suitable provider. We also support you through the application process, helping you avoid hidden fees, and ensure the repayment terms are aligned with your cash flow.
Typically, a merchant cash advance will not affect your personal credit score, as most providers do not perform a hard credit check. Instead, decisions are based on your business’s card sales performance. However, if your business defaults on the agreement, this could impact your ability to access future funding.
Merchant cash advances do not charge interest in the traditional sense. Instead, providers apply a fixed factor rate, usually ranging from 1.1 to 1.5. For example, if you borrow £10,000 at a factor rate of 1.2, you would repay £12,000 and this is typically over a period of 6-12 months. Typically a Merchant Cash Advance repayment is capped at 20% of that days takings. So for example if your business took £100 that day you’d repay £20 towards your cash advance repayment. The total cost depends on your sales volume and repayment speed.
