Business Finance
Compare UK merchant cash advance and business cash advance providers. Review how much you may be able to access, how repayments are taken from sales, total cost, payment-platform requirements and eligibility. A merchant cash advance is not a conventional business loan.
Repayments flex with sales
Repayments usually move with debit, credit or platform sales turnover.
Cost agreed upfront where applicable
Many providers quote a fixed fee or factor rate rather than APR.
Compare total cost
Review the fee or total to repay and any minimum payment — not just speed.
A merchant cash advance usually takes a share of future card or platform sales until an agreed total is repaid. Compare the total cost / amount to repay, not an APR, unless the provider publishes an APR for that exact product. “No APR” or “fixed fee / no interest” does not mean low cost. Where a personal guarantee applies, it can create personal liability even if the facility is unsecured.
An MCA is not a conventional business loan — repayments are usually linked to sales.
01
Providers assess payment or sales history before making an offer.
02
The advance and fixed fee or factor-based total repayment are agreed upfront where disclosed.
03
A share of future card or platform sales is allocated to repayment.
04
Deductions typically increase when sales rise and ease when sales fall.
05
Deductions continue until the purchased / agreed balance is met.
01
Compare the fixed fee or total to repay shown before acceptance — not an APR unless the provider publishes one.
02
Understand what percentage of sales is diverted until the balance is met, including any minimum payment.
03
Check whether your card processor or sales platform is supported.
04
Many MCAs require an existing PayPal, Square, Shopify, Worldpay or similar relationship, or an invitation.
05
Review published sales, trading history and entity rules. Unpublished thresholds are not treated as “No”.
06
Compare a business loan, overdraft, invoice finance or revolving credit if sales-linked repayment does not suit.
WiT Money lists live MCA access routes in Provider A–Z order. Best match is available only after you answer payment-channel, sales or access questions, and it is a deterministic eligibility/suitability score using verified fields — not a Recommended ranking. We do not invent APRs or factor rates, and unpublished or conflicting fields are not used as hard exclusions.
WiT Money may receive a commission if you proceed through some provider links. This does not determine the factual product information shown or which products qualify for inclusion. How WiT Money makes money →
Product information last checked: 14 September 2026
Default order is Provider A–Z. Best match is a deterministic eligibility/suitability score from your payment channel, sales and access answers. It uses verified fields only and is not a Recommended ranking. Unpublished or conflicting fields are not used to exclude a product.
You’ll continue on the provider’s website. WiT Money may receive a commission or referral fee.
Funding amount
£10k–£500k
Cost / fee model
Fixed fee / no interest
Repayment
Automatic percentage of future debit and credit card sales
PG / credit checks
Not publicly stated · Soft check only
Provider criteria need confirmation
You’ll continue on the provider’s website. WiT Money may receive a commission or referral fee.
Funding amount
Personalised offer
Cost / fee model
Fixed fee / no interest
Repayment
Variable Direct Debit / repayment linked to a pre-agreed percentage of business sales
PG / credit checks
Not publicly stated · Soft check only
Business Cash Advance
Provided by Liberis
You’ll continue on the provider’s website. WiT Money may receive a commission or referral fee.
Funding amount
Personalised offer
Cost / fee model
Fixed fee / no interest
Repayment
Automatic small portion of card takings
Min: Business expected to operate so Liberis receives a minimum monthly amount of 3% of total amount owed
PG / credit checks
Not publicly stated · Soft check only
You’ll continue on the provider’s website. WiT Money may receive a commission or referral fee.
Funding amount
£1k–£1m
Cost / fee model
Fixed fee / no interest
Repayment
Pre-agreed percentage of sales; shortfall may be collected by Direct Debit where monthly minimum applies
Min: Monthly minimum of up to 3% of total amount owed may apply
PG / credit checks
Not publicly stated · Credit checks not publicly stated
You’ll continue on the provider’s website. WiT Money may receive a commission or referral fee.
Funding amount
Personalised offer
Cost / fee model
Fixed fee / no interest
Repayment
Automatic percentage of daily card and online payments
Min: On days with no incoming sales, no sales-based repayment is deducted
PG / credit checks
Not publicly stated · Credit checks not publicly stated
You’ll continue on the provider’s website. WiT Money may receive a commission or referral fee.
Funding amount
£1k–£200k
Cost / fee model
Fixed fee / no interest
Repayment
Chosen percentage of PayPal sales automatically deducted; manual payments also allowed
Min: Minimum repayment every 90 days; 5% or 10% depending on selected terms, never more than 10% of total repayment amount
PG / credit checks
No personal guarantee · No personal credit check
You’ll continue on the provider’s website. WiT Money may receive a commission or referral fee.
Funding amount
Personalised offer
Cost / fee model
Fixed fee / no interest
Repayment
Fixed percentage of daily gross Shopify sales, debited from business bank account
Min: No repayment deadline stated for UK MCA
PG / credit checks
Not publicly stated · Credit checks not publicly stated
You’ll continue on the provider’s website. WiT Money may receive a commission or referral fee.
Funding amount
Personalised offer
Cost / fee model
Fixed fee / no interest
Repayment
Automatic percentage of every Square card sale
PG / credit checks
No personal guarantee · No personal credit check
You’ll continue on the provider’s website. WiT Money may receive a commission or referral fee.
Funding amount
£1k–£300k
Cost / fee model
One fixed cost agreed upfront
Repayment
Fixed percentage of daily batched card transactions through Worldpay
Min: Liberis terms may include monthly minimums; Worldpay page focuses on sales-linked split
PG / credit checks
Not publicly stated · Personal credit check
You’ll continue on the provider’s website. WiT Money may receive a commission or referral fee.
Funding amount
Up to £2m
Cost / fee model
Fixed fee / no interest
Repayment
Percentage of future sales; collection method depends on partner/integration
PG / credit checks
Personal guarantee may be required · Credit checks not publicly stated
Merchant cash advances and business cash advances are commercial finance products. Pricing, eligibility and repayments are taken from official provider disclosures and may change. We do not invent factor rates, APRs, personal-guarantee status or sales thresholds. Blank fields mean not publicly stated. Some products are not FCA-regulated — check product-specific disclosures. Always confirm current terms with the provider.
Factor rate
A factor rate is a multiplier used to calculate total repayment. It is not the same as APR.
Illustrative example only
Total repayment = Advance × Factor rate
Also compare the card-sales deduction (holdback) — a higher percentage reduces day-to-day cash flow even when the factor rate looks similar.
Worked example
Use a £20,000 advance with an adjustable fixed fee or factor rate and sales deduction. This is educational only — not a provider quote.
Fixed fee and factor rate inputs are user-adjustable illustrations — not verified quotes from any provider on this page.
Illustrative only — not a quote. This tool does not calculate APR and does not use provider examples to invent factor rates. Actual repayment timing varies with sales and provider terms.
Illustrative total repayment
£24,000.00
Formula: total repayment = advance + fixed fee. Factor rates are not APR.
Suitability
Use this as a starting point — not a guarantee of eligibility or suitability.
Eligibility
Assessment criteria vary by provider. We do not invent minimum turnover figures.
Recent card-payment turnover.
How long the business has operated.
Past card payment activity.
Frequency and value of card transactions.
Whether expected trading supports repayment.
Sector and operating model.
Personal liability
Some Merchant Cash Advance providers may require directors or owners to provide a personal guarantee. This can create personal liability if the business cannot meet its obligations.
Requirements vary by provider. Check the scope and limits carefully. This is not legal advice.
Compare finance
Neither option is universally better — compare repayment method, pricing and total cost.
| Aspect | MCA | Business loan |
|---|---|---|
| Repayment method | Linked to card sales (holdback) | Usually fixed repayments |
| Pricing | Often factor-rate / total repayment | Usually interest / APR pricing |
| Traditional fixed term | Usually no fixed instalment schedule | Fixed term usually applies |
| Card turnover required | Usually yes | Not necessarily |
| Repayment flexibility | Typically varies with sales | Usually fixed monthly amount |
| Typical use | Short-term working capital for card-heavy businesses | Wider uses including planned investment |
| Total-cost comparison | Compare total repayment carefully — can be expensive | Compare APR / interest and fees |
| Personal guarantee | May apply | May apply |
| Aspect | MCA | Overdraft |
|---|---|---|
| Repayment | Percentage of card sales | Flexible borrowing against account limit |
| Pricing | Factor rate / total repayment | Interest and fees on borrowing |
| Access | Advance paid upfront | Draw and repay within limit |
| Best suited | Card-heavy businesses | Short-term fluctuating cash flow |
Before you apply
Check total repayment, factor rate, holdback and cash-flow impact first — not just funding speed.
Alternatives
Is an MCA right for you? Compare business loans (including iwoca Flexi-Loan), invoice finance and overdrafts when sales-linked repayments are not the best fit.
iwoca’s current Flexi-Loan is flexible business lending — not a merchant cash advance. Compare it under business loans when sales-linked repayments are not the right fit.
ExploreRegulation
Regulatory treatment can depend on the provider, product, borrower and agreement. Not all commercial business finance falls within the FCA regulatory perimeter.
Where relevant, check the exact firm and activity on the FCA Register.
FCA RegisterFAQs
Quick answers before comparing providers or applying.
How we compare Merchant Cash Advance providers
Commercial relationships do not determine factual provider information or our editorial guidance.
Reference links only — these organisations do not endorse WIT Money.
Found an outdated factor rate, advance amount, eligibility rule or provider detail?
Email contact@witfinancegroup.com. We review reported inaccuracies and update verified information promptly.
Review total repayment, sales deductions and payment requirements carefully — then explore related business finance options.
