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Merchant Cash Advance (MCA)
What is a Merchant Cash Advance?
A Merchant Cash Advance is finance that provides businesses with upfront capital in exchange for a portion of future credit and debit card sales.
Unlike traditional loans with fixed repayment schedules, MCAs (Merchant Cash Advances) offer flexible repayment terms tied directly to a business’s sales volume. Businesses receive a lump sum payment and subsequently repay a percentage of daily card transactions until the total amount, including fees, is settled.
MCA funding is often sought for rapid access to capital, particularly when traditional lending options may be inaccessible or time-consuming.
Applying with Portman, you’ll need to operate your business in a way that allows a minimum monthly card sales amount of £5,000. This flexible solution takes away the stress of fixed monthly payments and allows you to focus on what really matters – your business.
