A merchant cash advance (MCA) is a type of business finance that provides quick access to funds with repayment based on your future card sales. It’s ideal for businesses with strong card revenue, like e-commerce businesses, retailers, salons, or cafés.
You receive an upfront lump sum, then repay it through a small, agreed percentage of your daily or weekly card takings, so repayments flex with your sales.
There’s no fixed term or traditional interest rate, making MCAs a flexible alternative when cash flow is seasonal or unpredictable.
You can learn more on Merchant Cash Advances here.