Compare UK Merchant Cash Advance Quotes in 60 Seconds
Secure £5,000 to £1,000,000 based on your card sales. Independent brokers matching you with specialist UK funding providers.
Check Eligibility & Compare
Fast decision within 24–48 hours
- ✓ No broker fees: 100% free eligibility check.
- ✓ Property not required: unsecured merchant funding options.
- ✓ Repay as you trade: automatic collections linked to daily card takings.
- ✓ Credit secondary: fast approvals driven by card payment volume.
Whole-of-market panel Specialist UK funders Fast 24–48hr decisions Flexible daily repayments £0 upfront broker fees
Single Lender vs Whole-of-Market Broker
| Feature | Single Lender Option | Bolton Business Finance (Broker) |
|---|---|---|
| Funder Choice | 1 provider option only | Whole-of-market panel (10+ UK funders) |
| Factor Pricing | Standard fixed rate | We negotiate for your lowest factor fee |
| Declined Files | Application ended | Immediate re-route to alternative funders |
| Upfront Broker Fees | N/A | £0 upfront fee on MCA |
Frequently Asked Questions
Can I get an MCA with bad credit or past CCJs?
Yes. Merchant cash advance underwriters focus primarily on your monthly card payment volumes rather than credit ratings. Options remain available even with adverse credit.
How do repayments work?
Repayments are calculated as a fixed percentage (typically 10%–20%) of your daily card terminal sales. If trading slows down on a given day, your repayment automatically drops.
Which card readers or terminals are accepted?
Funding is available for businesses using all major UK card processing platforms, PDQ terminals, POS systems, and e-commerce payment gateways.