The Business Hub

Merchant cash advance meaning: a merchant cash advance (MCA) is a flexible form of UK business finance where you receive an upfront lump sum and repay it as a small, agreed percentage of your future debit and credit card sales. Unlike a traditional bank loan, repayments rise and fall in line with your turnover — busy days repay more, quieter days repay less. There's no fixed monthly instalment, no charge over your home, and no need to provide commercial property as security.