Merchant Cash Advance
For Shops & Retail
Stock Up and Stay Ahead with Flexible Funding
Whether you run a clothing boutique, electronics store, or a general retail shop, staying competitive means keeping your shelves stocked and your customers happy.
A Merchant Cash Advance from Elephant Payments gives you the financial flexibility to manage inventory, hire staff, or market your business.
Reasons why a Retail Business would consider a cash advance:
Increase Inventory: Stock up on trending products or prepare for seasonal demands.
Expand Your Space: Add a new location or renovate your existing store.
Marketing Campaigns: Launch a targeted marketing strategy to attract more customers.
Employee Costs: Hire seasonal staff to handle peak shopping periods
With repayments tied to your daily sales, funding with us is simple, transparent, and aligned with 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.
Apply Today
One step closer to funding
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 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 £5000 up to £1,000,000
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
