Funding Product

    Merchant Cash Advance

    Turn your card sales into instant capital

    Merchant Cash Advance

    A flexible funding solution that works with your cash flow. Repay only when you sell, making it the perfect low-risk option for retail and hospitality businesses.

    How Does a Merchant Cash Advance Work?

    Unlike traditional fixed monthly finance, a Merchant Cash Advance (MCA) is linked directly to your card terminal sales. You receive a lump sum upfront, and repayments are taken as a small percentage of your future card transactions.

    The Benefits for Seasonal Businesses

    If you run a restaurant, bar, or seasonal retail shop, your revenue fluctuates. An MCA is designed for this reality. In quiet months, your repayments decrease. In busy months, you repay faster. This can help align payments with the rhythm of your business.

    Key Benefits

    Repayments match your daily card sales
    No fixed monthly payments – pay less when quiet
    High approval rate for businesses taking card payments
    No hidden fees or APRs – just a simple fixed cost

    Ready to Start?

    Start with monthly turnover and see an indicative Growth Funding amount. No credit agency check is made at this initial stage. All applications require checks and manual approval.

    Why EPOS Direct Funding?

    • 1
      Specialists in Retail & Hospitality
    • 2
      Every application reviewed individually
    • 3
      Repayment estimates shown before submission