Merchant Business LoansPowered by Funding Flow

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    MCA vs term loan

    Side-by-side cost comparison so you can see what you're really paying for the speed of an MCA.

    MCA?

    Looking for an MCA quote? Start with the Fixed cost calculator . It shows total repayable, monthly cost and term in plain English.

    £

    Option A

    Merchant cash advance

    £
    Total repayable£62,500
    Fixed cost£12,500
    Daily repayment£148
    Est. monthly£4,500
    Est. term13.9 mo

    Option B

    Term loan

    Total repayable£61,870
    Cost£11,870
    Monthly payment£1,719
    Term36 mo
    MERCHANT BUSINESS LOANS
    TERM LOAN WINS THIS COMPARISON
    You save
    £630
    With Term Loan
    £61,870
    • MCA total£62,500
    • MCA cost£12,500
    • Term loan total£61,870
    • Term loan cost£11,870
    • Term loan cheaper by£630

    Term loans require better credit and take longer to arrange. The difference isn't only cost, it's also the speed and the eligibility bar.

    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.

    Up to 90% approvalfor qualifying businesses

    Works with Dojo · Square · Zettle · SumUp · Stripe Terminal · PDQ · Yeti Pay · Teya · Barclaycard

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    COMPATIBILITY

    Works with your card machine and payment provider.

    Whatever you take card payments through, we fund against your takings.

    Dojo
    Square
    SumUp
    Zettle by PayPal
    Stripe
    Worldpay
    Barclaycard
    Tyl by NatWest
    takepayments
    Paymentsense
    Elavon
    myPOS
    Clover
    Teya
    Revolut
    Just Eat
    Deliveroo
    Uber Eats
    Epos Now
    Lightspeed
    Zonal
    Toast
    + many more

    Logos are the card and payment providers we fund against. We are not affiliated with, partnered with, or endorsed by them.