Merchant Cash Advance
Funding advanced against future card takings, repaid as a fixed percentage of daily card revenue.
A merchant cash advance can be an expensive form of funding when expressed as an annual cost. We will show you the total cost against alternatives so the comparison is genuinely like for like.
Why Merchant Cash Advance Requires the Right Lender
What we arrange
- Advances based on card terminal turnover
- Repayment flexing with daily takings
- No fixed monthly repayment amount
- Typically unsecured
Who this is for
- Retail, hospitality and leisure businesses
- Companies with strong card revenue but limited assets
- Businesses with seasonal trading patterns
How London FS helps
A merchant cash advance can be an expensive form of funding when expressed as an annual cost. We will show you the total cost against alternatives so the comparison is genuinely like for like.
Important information
The Financial Conduct Authority (FCA) does not regulate some forms of Buy To Let, Commercial & Development Finance, Bridging Finance, Overseas/Foreign National Mortgages and Will Writing.
Dhavi Limited (trading as London FS) is authorised and regulated by the Financial Conduct Authority — firm number 628993. Registered in England, company number 7301914. Registered office: 7 Bell Yard, London, WC2A 2JR.

Repayment Follows Takings
When trade slows, repayment slows. No fixed monthly commitment.

Total Cost Shown Plainly
We express the real annual cost so you can compare it honestly.

Alternatives Always Presented
This is often expensive. We will show you cheaper routes first.
Why Merchant Cash Advance with London FS?
Merchant Cash Advance requires more than access to lenders. It requires accurate interpretation of your circumstances and placement with a lender that genuinely understands them.
A merchant cash advance can be an expensive form of funding when expressed as an annual cost. We will show you the total cost against alternatives so the comparison is genuinely like for like.

No Property Security
Typically unsecured, though a personal guarantee is usual.

Fast to Arrange
Suited to opportunities that will not wait for term lending.

Suitability Assessed Honestly
If a term loan serves you better, we will recommend that instead.
Who Benefits from Merchant Cash Advance
Retail and Hospitality Businesses
Card-Heavy Revenue Models
Seasonal Traders
I would highly recommend Amar Dhanota as a mortgage broker to anyone looking to purchase a property. Amar helped me through the process of buying my flat and was absolutely brilliant from start to finish.
What stood out most was her dedication — she stayed on my case for as long as it took, tirelessly searching to find the best possible deal for me. She never made me feel rushed or like just another client. Instead, she gave my situation the time and attention it deserved.
If you’re looking for a mortgage broker who genuinely goes the extra mile and puts your best interests first, look no further than Amar. I can’t thank her enough!
I cannot recommend Amar highly enough. From start to finish she has been an absolute star — always available on the phone, patient, calm and reassuring no matter how many questions I had. Her knowledge and guidance made a stressful process so much easier, and nothing was ever too big an ask.
What really stood out is how Amar went above and beyond her remit. Even once her part of the process was technically complete, she continued to check in, support me and smooth out other areas that weren’t even her responsibility. That level of care and dedication is rare and invaluable.
Thanks to Amar, what could have been overwhelming felt manageable and clear. I would recommend her without hesitation to anyone looking for a broker who genuinely has your back throughout the journey.
Another Project, completed and with Amar’s help we got it over the line! Amar always goes over and above to get the job done, and I come with many issues we spoke so much he must of thought he was a full-time employee of mine. (sorry) Next one will be simple
I have already recommended him and London FS- Property Finance to others, highly recommended and 5 star service. Thank you.
Great Service from Amar and Anita. From Day 1 to completion very clear, and efficent in timing
Quick responses and regular updates. Couldn’t be more thankful as they helped me complete within no time. Also great resources for legal and other solutions if required
Amar, from London Finances Solutions has just helped me a second time with arranging my mortgage and was just as efficient as the first. She makes things as clear and easy as possible, always quick at responding to any questions and is very quick at finding the best deal to fit my needs and generally makes the whole process very smooth. I would highly recommend to anyone seeking mortgage advice and will certainly be returning in the future.
Want to thanks Amar (and LFS) for excellent service. He is master in his trade. He not only helped me through end to end journey of Mortgage but also have provided his valuable suggestion on aligned aspect in my house buying journey. Benefit of clients is always at centre of his heart. Although I have completed my purchase but think this good service relationship will go long way.
Thanks Amar for great help!
Excellent service from LFS – specifically Amar. As first time buyers, there where a lot of nerves and uncertainty – but this was all taken care of by Amar. She guided us along every step of the way and ensured that our application went through as smoothly as possible and in a timely manner.
What stood out was – nothing was ever ‘too much’ of a problem for Amar – rather it was ‘lets see how I can help’. Buying your first house can be really stressful but now we’re in , we’re looking back and thinking we couldn’t have done it without the support and professionalism from LFS.
Would highly recommend LFS to anyone. Thank you to the entire team.
I would highly recommend Amar at London Finance Solutions. Amar was so helpful and friendly in directing us through our mortgage and life insurance application. Amar was highly professional from start to finish and always got back to us straight away with any concern that we might have. Thanks Amar!
Repayment That Flexes With Trade
Funding advanced against future card takings, repaid as a fixed percentage of daily card revenue.
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Frequently Asked Questions on Merchant Cash Advance
How is repayment calculated?
As an agreed percentage of each day’s card takings, so repayment slows when trade slows.
Is security required?
Usually not, though a personal guarantee is common.
How does the cost compare?
Often higher than a term loan. We will always present the alternatives alongside.
How much can be advanced?
Commonly one to one and a half times monthly card turnover, depending on trading history.
What percentage of takings goes to repayment?
Typically 10-20% of daily card revenue, agreed at the outset.
Is there a fixed end date?
No. Repayment continues until the agreed total is settled, so the term flexes with trade.
Can I switch card provider during the term?
Not without the funder agreeing first, since repayment is collected through the terminal.
How does the cost compare to a loan?
Usually higher when annualised. We will always show you the alternatives alongside.
Can I take a second advance?
Often yes, once a proportion of the first has been repaid.
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