Achieve your financial goal with
Sadi's Commercial Finance
Merchant Cash Advance
Overview:
Fast funding based on future card sales — ideal for retail, hospitality, and e-commerce.
Key Features:
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Repayments linked to turnover
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No fixed monthly payments
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Quick approval and release
Case Study:
A café secured £25k to refurbish its interior, repaid via a small percentage of daily card takings.
FAQ's:
What is a merchant cash advance and how does it work?
A merchant cash advance (MCA) provides upfront funding based on your future card sales. Instead of fixed monthly repayments, you repay a percentage of your daily or weekly card takings. This makes it highly flexible — repayments rise and fall with your revenue. It’s ideal for businesses with consistent card transactions, such as retail, hospitality, and e-commerce.
What if my sales fluctuate?
That’s the beauty of an MCA — repayments automatically adjust to your turnover. If sales dip, your repayments reduce proportionally, helping you manage cash flow without pressure. There are no late fees or penalties for slower repayment, as long as you stay within the agreed timeframe.
Is this available to online-only businesses?
Yes. Many lenders offer merchant cash advances to e-commerce businesses that process card payments through platforms like Stripe, PayPal, or Shopify. As long as you have a track record of card sales, we can help you access funding tailored to your digital business model.
How is the advance amount calculated?
The advance is typically based on your average monthly card sales. Lenders may offer between 50% to 150% of your monthly volume, depending on your business profile. We’ll help you present your sales data and match you with lenders who offer the most competitive terms.