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Merchant Cash Advance for UK eCommerce Businesses

Get a flexible cash advance based on your future sales. No fixed monthly repayments, no rigid terms — just funding that works with your business, not against it.

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What is a Merchant Cash Advance?

A merchant cash advance (MCA) is a type of business finance where you receive a lump sum upfront in exchange for a percentage of your future card sales. Instead of fixed monthly repayments, the lender automatically collects a small percentage of each transaction until the advance is repaid.

For eCommerce businesses with consistent card or online payment volumes, this makes repayment entirely automatic — and crucially, it slows down naturally if your sales slow, giving you breathing room during quieter periods.

How does repayment work?

Rather than a fixed monthly payment, a small percentage (typically 10–20%) is deducted from each day’s card receipts. If you have a £20,000 advance with a 15% holdback rate and take £5,000 in card sales one day, £750 goes to repayment. On a slow day with £1,000 in sales, only £150 is collected.

This means repayment is always proportional to your revenue — making MCAs one of the most cash-flow-friendly forms of business finance available.

Who is a merchant cash advance best suited for?

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    eCommerce businesses with consistent card payment volumes
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    Businesses with seasonal revenue who need flexible repayments
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    Online sellers who need fast access to capital
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    Businesses that have been declined for traditional bank loans
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    Sellers needing to buy stock quickly ahead of a peak period

MCA vs Traditional Business Loan

Merchant Cash Advance
Traditional Loan
Repayment
% of daily sales
Fixed monthly
Approval speed
Same day possible
Weeks
Credit focus
Business performance
Personal credit
Seasonal flexibility
Slows with sales
Fixed regardless
Security
Usually none
Often required

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We’ve matched your details against our lender panel. You’ll hear directly from the right lender shortly — no middleman, no fuss.

How It Works

Getting a merchant cash advance through eCommerce Funding is straightforward.

1

Apply in 2 minutes

Complete our short form with basic details about your business and the funding you need. No lengthy paperwork upfront.

2

We match you with lenders

We identify the most suitable MCA lenders from our panel for your business profile and revenue level.

3

Funds in your account

Once approved, funds can be transferred within 24 hours. Repayment starts automatically from your next day’s card sales.

Common Questions

Typically between 50% and 150% of your average monthly card sales. If you process £20,000 per month, you could access between £10,000 and £30,000. The exact amount depends on the lender and your trading history.
Our initial eligibility check is a soft search and won’t affect your credit score. Some lenders may run a hard search later in the process, but we’ll always let you know before that happens.
That’s one of the key benefits of an MCA. Because repayments are a fixed percentage of sales rather than a fixed amount, they automatically reduce if your sales slow down. You’ll never be in arrears simply because of a quiet trading period.
Yes — MCA lenders typically focus on your card sales volume and business performance rather than your personal credit history. Many businesses with imperfect credit have successfully accessed MCA funding.

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eCommerce Funding Limited is a credit broker and not a lender. We introduce UK businesses to suitable lenders and may receive a commission. 128 City Road, London. EC1V 2NX. Registered in England & Wales. All finance subject to status and eligibility. Applicants must be 18 or over.