Cash advances for UK e-commerce.
For online sellers on Stripe, Shopify, PayPal, and Amazon. Advance against your platform takings. For operators who run the numbers themselves.
What MCA means for an e-commerce business.
Your entire revenue goes through card and digital payment processors, Stripe, Shopify Payments, PayPal, Amazon Pay, Klarna. That's the cleanest possible MCA fit mechanically. The challenge is payout timing: Stripe holds funds 2-7 days, Amazon longer, marketplaces longer still. MCA bridges the inventory + ad-spend cash flow squeeze that scaling e-comm always creates.
Sound familiar?
Q4 inventory needs ordering in Q3.
Your peak is November-December. Stock needs to be on the way by August-September. £15k-£60k+ depending on scale.
MCA against Q3 takings funds Q4 inventory. Peak repayment ramps fast.
Paid social is finally working, you need to scale spend.
ROAS is 3.5×, you want to push £8k/mo into Meta and TikTok ads. But cash is locked up in Stripe payouts.
MCA gives ad-spend headroom. Repayment scales with takings the ads generate, built-in self-correction if returns drop.
New product launch needs working capital.
Sample runs, photography, packaging design, initial inventory, £10k-£25k before a single sale.
MCA funds the launch. Repayment from existing product line takings, accelerates if the new product hits.
Here's what it actually costs.
A Shopify store borrows £15,000 for Q4 inventory. Monthly Stripe + Shopify Payments takings: £35,000. £15,000. Average monthly card takings £35,000. Fixed cost 1.24. 11% daily repayment % on card sales, total cost £3,600.
These figures are illustrative. If a term loan or asset finance fits your situation better, we'll tell you.
Open the fixed cost calculator →Work out the real cost.
New businesses typically start at a higher daily % and a shorter term.
Illustrative only, not a quote.
- Advance£15,000
- vs card takings43%
- Fixed cost1.24
- Daily repayment£127
- Avg monthly£3,850
- Est. term4.8 months
Illustrative. The fixed cost is set on day one; daily repayment varies with takings. Term capped at 18 months.
Illustrative only, not a quote. Every figure here is subject to the funder. Funders advance anywhere from 100% up to 150% of monthly card takings, so 150% is not guaranteed, and the fixed cost is not guaranteed either. Your actual advance, fixed cost and terms depend on the funder and your business profile.
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Apply with these numbersOperators we've helped.
£20,000 funded Q4 stock + ad scale, repaid by mid-January.
Illustrative composite. Shopify-based DTC brand, £40k/mo Stripe takings. MCA at 1.23 factor, 10% daily repayment. Q4 inventory secured August; ad spend doubled October-December; peak Q4 takings absorbed full repayment in 3.5 months.
Read full case study →E-commerce & online sellers, quick answers.
Stripe, Shopify Payments, PayPal, Amazon Pay, Klarna, Square, all the major ones. Most lenders integrate via Plaid or direct API.
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