Repayments are automatically taken as a fixed percentage of your daily card takings, meaning you pay more on busy days, and less during quieter periods.

Do I need to provide security or a personal guarantee?

No physical assets are required. In most cases, no personal guarantee is needed either, making it an unsecured facility.

Who is it best suited for?

Ideal for businesses with consistent card sales like retailers, salons, restaurants, cafés, and hospitality venues.

How much can I borrow?

You can typically borrow between £3,000 and £500,000, depending on your average monthly card turnover.

Merchant Cash Advance

Flexible Merchant Cash Advance for Retail and Hospitality

Q: What is a Merchant Cash Advance?

It’s a flexible funding option where you receive a lump sum in exchange for a percentage of future debit and credit card sales.

Unlock working capital through a merchant cash advance that flexes with your income. Repay a percentage of your daily card sales and access funding without the need for fixed monthly payments. Ideal for businesses with seasonal or fluctuating revenue, UK Asset Finance makes the process simple and fast.

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IS THIS FOR YOU

What is a Merchant Cash Advance?

A merchant cash advance gives your business access to upfront funding, repaid through a small percentage of your daily card sales. Ideal for retail and hospitality sectors, this flexible finance option is made simple and fast with UK Asset Finance’s trusted lender partnerships.

Who is it for

Is This Right for Your Business?

This finance solution is ideal for:

Limited companies trading for 6 months or more
SMEs with annual turnover of £100,000+
Any sector or industry
Businesses of all sizes

Find the Right Finance for Your Business

Key Benefits

What You Get

Access capital quickly – typically within 24 to 48 hours
Use funds for any purpose – growth, stock, marketing or staff
No need to dilute equity or bring in outside investors
Flexible repayment options to suit your cash flow

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Typical Loan Details

Loan Amounts and Terms

Borrow between £10,000 and £10,000,000
Terms from 6 months to 5 years
Choose from fixed or flexible repayment structures

Trusted Finance Partners

We Work with Industry-Leading Lenders

We source funding from a carefully selected panel of UK-based lenders, including:

Funding Circle
Iwoca
Capify
Fleximize
Nucleus Commercial Finance

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Get Started Today

Ready to Move Your Business Forward?

Whether you're looking to expand, invest in equipment, or improve cash flow, we're here to help. Speak to our team and discover the right funding solution for your business.

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Government Grant Scheme

Partner Lender

We completed the very first Recovery Loan Scheme (RLS 3.0), commercial unsecured loan for Funding Circle UK

Business Loan

New Client

£100,000 unsecured funding Thousands saved each month Better Interest Rate

Vehicle Finance

Returning Client

Lower deposit Lower monthly repayments Lower interest rate No Personal Guarantee (which the dealership required)

Real Results Backed by Real Businesses

Client Success Stories That Speak for Themselves

At UK Asset Finance, we take pride in helping businesses across the UK secure funding that truly fits their needs. From fast-working capital loans to tailored asset finance, our clients trust us to deliver finance solutions that support real growth. Here are just a few examples of how we’ve made a difference.

See How We’ve Helped UK Businesses Succeed