Is MCA FCA regulated?

Commercial MCA to Ltd companies is unregulated in the UK. Advances to sole traders under £25k can be regulated as consumer credit.

Do borrowers need a specific PSP?

No, most UK funders integrate with Worldpay, Stripe, Square, Elavon, Barclaycard and Adyen among others. We capture PSP at enquiry.

How fresh are these enquiries?

Delivered in real time. Most borrowers expect a call inside the hour and funding inside 72 hours.

Can you filter by minimum card turnover?

Yes. £5k, £10k and £25k per month are standard filters.

UK lead type · Cash flow

Merchant Cash Advance

Card-turnover-linked advances for UK retail, hospitality and e-commerce.

£5k to £300k6 to 18 months typical repayment24 to 72 hours to fund

Join the waiting list for Merchant Cash Advance All UK lead types

£5k to £300k advances against future card sales
Repayment is a fixed percentage of daily card takings
No fixed monthly payment, flexes with turnover

What is merchant cash advance?

Merchant cash advance is a purchase of future receivables rather than a loan. The funder buys a set amount of future card takings at a discount, and the borrower repays via a daily split of card income.

It suits retail, hospitality and e-commerce operators with strong card flow but who fail cash-flow or credit tests for a term loan. Approvals are quick because the card processor is doing most of the underwriting.

We capture PSP, monthly card turnover and requested advance at enquiry so lenders can quote inside an hour.

Product mechanics

Key numbers your BDM team should know before the first call.

Loan range: £5k to £300k
Typical term: 6 to 18 months typical repayment
Indicative rates: Factor 1.15 to 1.45 (indicative)
Funding speed: 24 to 72 hours to fund
Typical borrower: UK business processing £5k+ per month in card takings.
Why brokers want these: Fast decisions on borrowers other funders decline, high volume, high commission.

Common use cases

Restaurant kit or refit funded from future covers
E-commerce inventory ahead of Q4
Retail store expansion or refurbishment
Emergency cash-flow when a term loan is declined

Typical borrower qualifications

6+ months of card takings history
£5k+ monthly card turnover
UK-registered business
Sub-prime credit accepted

Why brokers buy from us

Why UK cash flow brokers buy merchant cash advance leads from us

What makes this feed different from generic aggregator flow.

High volume of card-heavy retail and hospitality enquiries

PSP and monthly card turnover captured

Real-time delivery for same-day funding

Compare

How merchant cash advance compares to adjacent products

Help your team route enquiries to the right product on day one.

vs Unsecured Business Loans

Use when the borrower wants a fixed monthly payment and has clean credit.

View Unsecured Business Loans

vs Revolving Credit Facilities

Route here when the borrower wants a redraw line rather than a lump advance.

View Revolving Credit Facilities

vs Recovery & Refinance

Better for borrowers already stacked on multiple MCAs who need consolidation.

View Recovery & Refinance

Our lead generation process

How we generate merchant cash advance leads

Every enquiry is captured, consented and vetted before it reaches your CRM.

Source channels

SEO on MCA, business cash advance and retail funding terms
Google Search Ads on merchant cash advance keywords
PSP and hospitality trade press partnerships
Content targeting UK hospitality and retail operators

Data captured on each lead

Card processor (Worldpay, Stripe, Square, etc.)
Average monthly card turnover
Requested advance and use of funds
Company number and director contact
GDPR and PECR consent

Vetting workflow

Companies House match
PSP and card volume plausibility check
UK mobile SMS verified
Duplicate suppression
Consent recorded

What a lead looks like

Verified enquiry

£5k to £300k · Merchant Cash Advance

UK Ltd or sole trader · Companies House matched · phone-verified decision-maker · GDPR and PECR consent on file

Card processor (Worldpay, Stripe, Square, etc.): ✓
Average monthly card turnover: ✓
Requested advance and use of funds: ✓
Company number and director contact: ✓

Who this suits & how we qualify

Best fit for

MCA and alternative-finance brokers with a panel of UK MCA funders.

Qualification standard

Companies House match
PSP and card volume plausibility check
UK mobile SMS verified

Turnaround

Fresh, consent-captured UK enquiries delivered to your CRM inside your agreed response window.

Broker FAQs

Common questions from UK buyers of merchant cash advance leads.

Related lead types

Other cash flow lead flows we supply.

Invoice Finance

Factoring, CID and selective invoice finance for UK B2B ledgers.

Learn more

VAT & Tax Loans

Short-term loans to spread UK VAT, corporation tax and PAYE liabilities.

Learn more

Ready for vetted Merchant Cash Advance enquiries?

Tell us your credit box and volume, we'll come back within one business day.

Join the waiting list Book a call