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Merchant cash advance

Free, no-obligation consultation

No upfront fees

Access funds within 24 hours

25 years' finance experience

Access to 100+ lenders

What is a merchant cash advance (MCA)?

How does an MCA work?

  • MCA is a relative newcomer to the world of commercial finance, available to retail-facing businesses (merchants) that accept debit and credit card payments from their customers.

  • This innovative product uses a merchant’s card terminal to ‘secure’ the financing. Repayments are then made to the MCA provider according to an agreed split of each day’s card payments.

  • The MCA is aligned to the merchant’s business – the higher the level of debit and credit card payments, the faster the MCA is repaid.

  • This provides flexibility, since the business is not put under cashflow pressure during slower periods.

  • Personal credit score and residential status have little bearing on eligibility when repayments are driven by the level of card payments.

  • Typical MCA size is 2x the merchant’s average monthly card sales.

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Product overview

£5,000 – £500,000

Funding in 24 hours

No security required

Flexible repayments aligned to card sales

No fixed term

Borrow up to twice your monthly card sales

Bike Gears

Client case studies

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Featured case study: Bike shop

A bike shop based in Leicester which had only been trading for 8 months was finding it difficult to obtain funding. Despite a fantastic start to the business and having an online store which enabled them to sell a vast number of bicycles during the first lockdown, they were being held back by their short trading history and lack of security.  


Within 24 hours, they were approved by one of the leading MCA companies on the market and had secured £40k in funding to finish their marketing campaign for Christmas and purchase some extra stock.

How can we help your business?

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Where to find us

Clear Idea Finance

Saracens House

25 St Margaret’s Green

Ipswich, Suffolk


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Copyright © 2021 Clear Idea Finance Limited. Made of Cheddar.

"Clear Idea Finance" and "Clear Idea" are trading names of Clear Idea Finance Limited, registered in England and Wales, company number 12802771. Registered office address: Saracens House, 25 St Margaret’s Green, Ipswich, Suffolk, IP4 2BN. Clear Idea Finance Limited operates in accordance with the Data Protection Act 1998, ICO registration number ZA798967. A commercial mortgage loan is secured against property, which may be repossessed if you do not keep up your loan repayments. Clear Idea Finance Limited acts as a commercial finance advisor and credit broker and not a lender.