Merchant Cash Advance

Access bespoke merchant cash advance facilities designed with your business in mind

/ FCA Registered

Reference: 729876

Who Are Mill Wood Finance?

We have been arranging business finance since 1999, working with owners and managers across retail, hospitality and other trades where card payments make up most of the daily takings. We know the merchant cash advance market and the providers active in it, and we know which situations an advance suits and which it does not.

Our Ethos and Service

We look at what the money is for and what the business can comfortably repay before we approach anyone. As we are not tied to a single provider, we can tell you if an advance is the wrong answer, and we would rather do that than place a facility that costs you more than it needs to.

Unlocking cash flow for your business

At Mill Wood Finance, we help businesses to access the working capital they need to grow, adapt and succeed.

Whether you’re looking to expand your operations, improve cash flow, invest in new equipment or take advantage of new opportunities, a merchant cash advance could be the flexible funding solution that your business needs.

Securing traditional business finance has become increasingly challenging. Even when funding is available, conventional business loans often come with fixed monthly repayments that don’t always reflect the realities of running a business, particularly those with seasonal or fluctuating revenue.

A merchant cash advance facility offers a more flexible alternative to a conventional loan. Rather than fixed repayment amount, the repayments are linked to your business’s card sales, meaning they naturally adjust with your income. This allows you to access funding while maintaining greater control over your cash flow.

What is a Merchant Cash Advance?

Merchant cash advances are a form of business finance that provides your business with an upfront lump sum in exchange for an agreed percentage of your future debit and credit sales.

Unlike a traditional loan, repayments are collected automatically as a fixed percentage of your daily card takings. This means you’ll repay more during busier periods and less when business is quieter, creating a repayment structure that aligns with your revenue.

Is a Merchant Cash Advance right for your business?

Merchant cash advances are suitable for businesses that process card payments and need access to flexible capital. The funds can typically be used for any legitimate business expense.

Could an alternative be more suitable?

If your business has limited card sales or low, inconsistent turnover, a merchant cash advance might not be right. Similarly, if you require the funds over a longer period, asset finance or a traditional business loan might be more suited.

How Mill Wood Finance can help you

1. Review

We look at your card takings over recent months and how steady they are across the year, alongside what the advance is being raised for. Card processing statements tell us more about affordability here than filed accounts do, so that is where we start.

2. Assess

As we are not tied to a single provider, we can say plainly whether an advance suits the situation or whether another facility would serve the business better. Where an advance is the right route, we work out what repayment percentage the business can carry without putting pressure on weekly cash flow.

3. Recommend

We set out the offers with the total cost of each one shown in pounds, alongside the factor rate and the repayment percentage, so you can see what the advance actually costs against what it returns. We also cover how each provider handles renewals, top ups and early settlement, since these terms vary and often account for the difference between two offers that look similar at first.

4. Implement

We handle the application and the paperwork with the provider, including the arrangement with your card acquirer so repayments come out of takings automatically. We stay with it through to funds landing, and remain your point of contact when the advance comes up for renewal or a top up.

Let's work together for your merchant cash advance requirements

Merchant cash advances sit outside FCA regulation, which makes it worth knowing who is arranging yours. Mill Wood Finance has brokered business finance since 1999 and is authorised and regulated by the Financial Conduct Authority under reference 729876.

If you take card payments and want to understand what an advance would cost and what it would mean for your daily takings, we are happy to talk it through and give you a straight answer on whether it is the right fit.

You can book a meeting directly using the calendar below, visit us at our Brighton office, call us on 01273 523690 or email info@millwoodfinance.com.