Merchant cash advance funding linked to your card sales
A merchant cash advance provides funding based on your business's future card sales, with repayments that rise and fall in line with your turnover. For businesses with strong card payment volumes - such as retailers, hospitality venues and salons - it can be a flexible way to access funds without committing to fixed monthly repayments.
Quick overview
Used for
Merchant cash advances are typically used for short-term needs such as managing seasonal cash flow, purchasing stock, covering unexpected costs, refurbishing premises, or bridging a gap ahead of a known income event.
Suitable for
Suitable for businesses that take a significant proportion of their income through card payments - including hospitality, retail, salons and personal care, and other consumer-facing sectors - and want repayments that adjust naturally with trading levels.
Clearpath will explain clearly how this type of funding works, what it costs, and whether it's genuinely the right fit for your business, or whether another route might serve you better.
Typical benefits
- Repayments flex in line with your card sales, easing pressure during quieter periods
- Can be arranged quickly relative to some other forms of business finance
- No requirement for fixed monthly repayment amounts, which can suit businesses with seasonal or variable income
- Approval is often based heavily on your card sales history rather than solely on credit profile
Key considerations
- This type of funding is generally more suited to short-term needs than long-term investment, given how it's structured and costed
- Because repayments are taken as a percentage of card sales, the overall cost should be weighed carefully against other available options
- It works best for businesses with consistent and identifiable card payment volumes
- We'll always set out the full cost in plain terms before you decide whether to proceed
Clear advice on merchant cash advance, from first call to completion
Whole-of-market comparison
We compare merchant cash advance across our panel of mainstream and specialist lenders to find options that genuinely fit your circumstances.
Plain-English guidance
We explain the costs, terms and trade-offs clearly, so you can make a confident, informed decision without the jargon.
A managed process
We prepare your case, liaise with lenders and keep you updated throughout - so you can stay focused on running your business.
Common questions about merchant cash advance
A small, agreed percentage of your daily card sales is automatically deducted until the advance and the agreed cost are repaid. This means repayments are naturally higher when trading is strong and lower when it's quieter - there's no separate fixed monthly bill to manage.
You might also consider
Many businesses use a combination of finance types depending on what they're trying to achieve.
Talk to Clearpath about merchant cash advance
Call for a clear, no-obligation conversation about whether merchant cash advance is the right route - and what's realistically available to you.