Revenue based finance,
repaid as you earn.
A lump sum of working capital repaid as a share of your monthly revenue, card and bank income both count. From £10,000 to £1,000,000, one fixed cost, no asset security. We compare 25+ UK lenders to find your best fit.
- Repaid from revenue
- No asset security
- Card and bank income counts
What is a merchant cash advance?
A merchant cash advance (MCA), also called a PDQ cash advance, card machine loan or business cash advance, gives you a lump sum of working capital today, repaid as a percentage of your future card sales. There's no fixed monthly payment. When you're busy, you repay faster. When you're quiet, you repay slower. The repayment mechanic adjusts to your business, not the other way round. We're an independent commercial finance broker, comparing a panel of UK MCA lenders to find your best fit.
What is revenue-based finance?
Revenue-based finance is a lump sum repaid as a share of your future revenue. It is the wider version of a merchant cash advance: instead of looking only at card takings, it assesses your whole income, so it fits businesses that trade online, invoice on account or run on subscriptions. It is arranged by a broker across a panel of funders rather than lent directly.
How the repayment works
You take a lump sum today and repay it as a fixed percentage of your monthly revenue. In a strong month you repay more, in a quiet month you repay less. Unlike a merchant cash advance, the assessment looks at your whole income, card payments plus bank-settled revenue, so the repayment tracks the real shape of your business.
What it costs
The cost is a single fixed cost agreed at the outset, typically between 1.10 and 1.50. Borrow £50,000 at a fixed cost of 1.25 and you repay £62,500 in total, set in pounds from day one. No compounding interest and no arrangement fees hidden in the background.
Who it suits
Businesses with predictable revenue that do not take most of their money through a card terminal: e-commerce and online sellers, subscription and SaaS businesses, B2B firms invoicing on account, wholesalers and agencies. If most of your income is card takings, a merchant cash advance is usually the closer fit.
How fast the money arrives
A decision typically comes back within 24 to 48 hours of applying, with funds usually released a few days after you accept an offer. The initial check is a soft search that does not affect your credit file. A full credit check only happens before any offer is made.
Three steps. No paperwork mountain.
Apply
60 seconds online. Tell us your sector, monthly card takings and what you need to fund.
Decision
Within 24 hours. We compare lenders on our panel and come back with options, fixed cost, total repayable and estimated term laid out in plain English.
Funded
Funds in your account once you accept. Repayment starts automatically with your next card transactions.
Why operators choose us.
Works with your existing setup
Dojo, Square, Zettle, SumUp, Stripe Terminal, PDQ, Yeti Pay, Teya, Barclaycard and more. No need to switch.
Flexible repayments
A share of each card sale auto-repays. Slow week? You pay back slower.
No asset security
Unsecured against business assets. Most lenders require a director PG.
Your cash and bank transactions stay yours
Repayment comes from card takings only. Cash in the till, bank transfers, direct debits and non-card transactions are not touched. You keep 100% of them.
Honest fixed costs
Plain-English costs on every quote, total repayable, not jargon. Fixed cost shown alongside in smaller type.
Apply 24/7
60-second online. Decisions in 24 hours.
Works with your existing setup.
Card terminals: Dojo, Square, Zettle, SumUp, Stripe Terminal, PDQ, Yeti Pay, Teya, Barclaycard and more. Even your delivery platform takings from Just Eat, Deliveroo and Uber Eats count toward your assessment. No switching processors, no locked contracts, no hidden fees.
Mixed revenue: For businesses with significant bank-settled income (subscriptions, direct debits, account-pay, remittances), we also offer revenue-based advances that include non-card income in the assessment.
Built for these businesses.
A snapshot of the sectors we fund most. We support many more. Every sector has its own page with the lender mechanics, the typical deal shape, and the questions we hear most.
We'll tell you when MCA isn't the right answer.
Most MCA brokers sell one product. We don't. Sometimes a term loan is cheaper. Sometimes asset finance fits better. Sometimes you don't need to borrow at all. Take 60 seconds with our quiz and we'll tell you straight.
Take the 60-second quiz→Revenue-based finance FAQs
What is revenue-based finance?
Revenue-based finance is commercial finance that gives a business a lump sum today, repaid as a fixed share of its future revenue rather than in fixed monthly instalments. It assesses your whole income, card and bank-settled, so it suits businesses that do not run most of their money through a card machine.
How is it different from a merchant cash advance?
A merchant cash advance is repaid from card takings only, so it fits card-heavy businesses like pubs, cafes and shops. Revenue-based finance repays from all revenue, including bank transfers, invoices and subscriptions, so it reaches e-commerce, B2B and subscription businesses an MCA cannot.
How much can my business borrow?
From £10,000 to £1,000,000, sized against your average monthly revenue and subject to each funder's criteria and your business profile.
What does it cost?
Cost is expressed as a fixed cost, typically 1.10 to 1.50 in the UK, so £50,000 at 1.25 equals £62,500 to repay. The total is fixed in pounds from day one, with no compounding interest.
Will applying affect my credit score?
The initial indicative check is a soft search that does not show on your credit file. A hard credit check only happens once you accept an offer and proceed to funding.
Is revenue-based finance regulated by the FCA?
No. It is commercial finance arranged between businesses. We are a commercial finance broker, not a lender, and business-to-business finance of this kind sits outside consumer credit protections, so compare options carefully.
Merchant Business Loans is a commercial finance broker, not a lender. Revenue-based finance is commercial finance arranged between businesses and is not regulated by the Financial Conduct Authority. Figures shown are illustrative and not a quote. Mostly card takings? See our merchant cash advance page.
Ready when you are
Ready to apply?
60 seconds to apply. 1 working day to a decision. No obligation, no credit footprint for the initial check.
Up to 90% pre-approved for qualifying businesses