Merchant Cash Advance
For Cafés & Coffee shops
Brew Up Success with Flexible Funding
Small coffee shops and cafés are cornerstones of their communities, but they often need funding for growth. A Merchant Cash Advance is a quick and easy way to access the resources you need.
Why Cafés and Coffee Shops Choose MCA:
New Equipment: Invest in high-quality coffee machines, grinders, or seating.
Menu Expansion: Add new items to attract more customers and boost sales.
Marketing Campaigns: Build your brand through social media or local advertising.
Seasonal Offers: Stock up on ingredients for seasonal drinks and treats.
With our support, you can focus on serving the perfect cup of coffee while growing your business.
Merchant Cash Advance
Our Merchant Cash Advance solution offers quick and easy funding for fast-growing businesses in need of capital.
A merchant cash advance is a financing option aimed at small businesses that use card sales for a significant portion of their revenue. It offers quick and easy access to funding without the hassle of traditional bank loans.
With an cash advance, you can receive a lump sum upfront, repaid through a small percentage of your daily card sales. There are no fixed terms or monthly repayments, so no risk of late payments—an advantage for businesses with fluctuating cash flow across seasons.
Repayments adjust to your card takings, making it easier to keep your cash flow steady. If trading slows down a little, your repayments will be lower too.
Frequently asked questions
How does a merchant cash advance work?
Rather than making a fixed monthly payment, your repayments are based on a percentage of your monthly debit and credit card sales. This flexible approach adjusts with your business’s ups and downs, making borrowing less stressful and more manageable.
What is the application process for a merchant cash advance?
Our team ask for your average monthly income from processed card transactions and your gross annual income. With this information, we can evaluate your eligibility and, if approved, provide an estimate of the funding amount.
What are the requirements?
As long as your business has been trading with a card machine system, or equivalent, for 6 months or more, meeting our minimum turnover threshold of around £1000 per month.
What are the drawbacks of a cash advance?
Since funding is based on your card transactions, the amount you can borrow may be lower than what a traditional business loan offers. This is because the limit is tied to your projected monthly income.
How much can I borrow?
You can borrow from £500 up to £500,000
How does a cash advance compare to a bank loan?
A merchant cash advance is an unsecured financing that doesn’t require any physical assets as collateral. This makes it a fast and efficient solution, with funds often reaching your account within just a few days. Repayments are designed to be flexible, adjusting in line with your monthly card sales—so during slower months, you’ll repay less, easing the financial burden.
How do I repay a cash advance?
You’ll repay a fixed percentage of your daily card sales whenever your customers make payments. This repayment rate is determined based on your average monthly revenue at the time of application, ensuring it aligns with your business’s cash flow.
Will my credit score be impacted?
No, your credit score is not affected by a merchant cash advance application.
Contact
© 2025. elephant funding is a trading name of, elephant payments limited, registration number: 16165904. We are an intermediary of financial solutions and not a lender. We are not Independent Financial Advisors and are unable to provide financial advice or recommendations. We provide unregulated finance solutions to limited companies in the UK.
122 London Road, Wokingham RG40 1SU
+44 07356216672
