Merchant Cash Advance for UK Businesses
A merchant cash advance provides fast funding based on your future card sales, with repayments taken as a small percentage of your daily card takings — so what you repay flexes with your turnover. It's ideal for retail, hospitality and e-commerce businesses with steady card income. Sadi's Commercial Finance arranges merchant cash advances suited to your trading pattern.
Who it's for: shops, cafés, restaurants, salons and online retailers that take regular card payments and want quick, flexible funding without fixed monthly repayments.
How it works: a provider advances a lump sum, then collects an agreed small percentage of each day's card sales until the advance is repaid — more on busy days, less on quiet ones.
Key features
- Repayments linked to turnover
- No fixed monthly payments
- Quick approval and release
Why use Sadi's Commercial Finance
We compare providers on cost and terms, and help you judge whether a merchant cash advance is the right fit versus other short-term options.
Case study
A café secured £25k to refurbish its interior, repaid via a small percentage of daily card takings.
How to Get a Merchant Cash Advance with Sadi's Commercial Finance
- Speak to a specialist. Tell us your average monthly card takings and what the funding is for.
- Share your card sales history. Provide recent processor statements so providers can assess your trading pattern.
- Get matched with a provider. We compare providers on cost and repayment percentage for your type of business.
- Approve terms. Review the advance amount and daily repayment percentage before accepting.
- Funds released. Money lands quickly, then an agreed percentage of daily card sales is collected automatically until repaid.
How is a merchant cash advance repaid?
Automatically, as a set percentage of your daily card sales — so repayments rise and fall with your income.
How fast can I get funded?
Approvals are often quick because the decision is based largely on your card-sales history.
Do I need to take card payments to qualify?
Yes — because repayment is linked to card revenue, a consistent card-sales record is key.