Merchant Cash Advance for Retail Businesses
Retail businesses live and die by cash flow. Stocking up for seasonal peaks, refitting stores, or launching marketing campaigns all require capital upfront. A merchant cash advance lets retailers access funding based on their card terminal history, with repayments that flex with daily sales.
This means during a busy Christmas period you repay faster (but you're also earning more), and during a quieter January the repayments automatically reduce. No fixed direct debits that drain your account regardless of how trading is going.
Key Benefits
- Stock up for seasonal peaks without cash flow pressure
- Repayments flex with your daily trading, quiet days = smaller repayments
- No business plan or financial projections needed
- Approval in 24-48 hours based on card terminal data
Frequently Asked Questions
Is it available for online retailers?
Yes. Online retailers with consistent card payment or payment gateway revenue (Stripe, PayPal, Shopify Payments) can access MCAs. Providers analyse your payment gateway data instead of physical terminal data.
Can I use it for a store refit?
Absolutely. Store refits, new fixtures, signage, and interior design are all common uses. There are no restrictions on how you use the advance.
What if my card machine provider changes?
You'll need to notify the MCA provider if you switch card processors. The repayment mechanism is linked to your card processing, so continuity of the link is important.
How does it affect my cash flow day to day?
Instead of receiving 100% of your card settlements, you'll receive 75-90% (depending on the agreed split). The remaining percentage goes to the MCA provider. Most retailers adapt to this within the first week.
Merchant Cash Advance calculator
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Total repayable
£62,500
Total cost
£12,500
Per month (approx)
£6,000
Est. months
10.4
Illustrative estimate only, not a quote or financial advice. A broker will confirm exact terms based on your circumstances and lender appetite.
Related Funding Options
Merchant Cash Advance UK
Get a lump sum advance repaid through a percentage of your card sales. No fixed payments, no property security. MCA for UK businesses.
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Get matched with lendersCoreFi is a trading name of JG Core Ltd (Company #16218779, England & Wales). CoreFi acts as a commercial finance broker and does not provide regulated financial advice. All products described are unregulated business-to-business finance. Information on this page is for general guidance only and does not constitute a formal offer of finance. Terms, rates, and availability are subject to lender criteria and may change without notice.