Merchant Cash Advance

Funding advanced against future card takings, repaid as a fixed percentage of daily card revenue.

Merchant Cash Advance

Funding advanced against future card takings

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.

We Structure

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.

Clock

Repayment Follows Takings

When trade slows, repayment slows. No fixed monthly commitment.

Key person

Total Cost Shown Plainly

We express the real annual cost so you can compare it honestly.

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Alternatives Always Presented

This is often expensive. We will show you cheaper routes first.

Why Choose Us

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.

Timeline

No Property Security

Typically unsecured, though a personal guarantee is usual.

Clock

Fast to Arrange

Suited to opportunities that will not wait for term lending.

Target

Suitability Assessed Honestly

If a term loan serves you better, we will recommend that instead.

Our Clients

Who Benefits from Merchant Cash Advance

Retail and Hospitality Businesses

Card-Heavy Revenue Models

Seasonal Traders

Testimonials

Client Experiences That Speak for Themselves

Contact Us

Repayment That Flexes With Trade

Funding advanced against future card takings, repaid as a fixed percentage of daily card revenue.

Our Services

Related Commercial Finance Services

Our Commercial Finance services are structured around real client circumstances rather than product categories, with independent advice across the whole of market.

News & Blogs

Latest Financial News & Blogs

FAQ

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.

Usually not, though a personal guarantee is common.

Often higher than a term loan. We will always present the alternatives alongside.

Commonly one to one and a half times monthly card turnover, depending on trading history.

Typically 10-20% of daily card revenue, agreed at the outset.

No. Repayment continues until the agreed total is settled, so the term flexes with trade.

Not without the funder agreeing first, since repayment is collected through the terminal.

Usually higher when annualised. We will always show you the alternatives alongside.

Often yes, once a proportion of the first has been repaid.