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Merchant cash advances
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Cash flow challenge: I want flexible funding to repay as I trade.
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Perfect for: Retailers, hospitality venues, salons, and eCommerce brands that take card payments and want repayments to flex with daily sales.
Novuna helps you compare trusted providers, understand the terms, and apply with confidence.
Our quick funding options
Pages in this SectionWhat is a merchant cash advance?
A merchant cash advance is a flexible funding option designed for businesses that take payments via card terminals or online checkout.
You receive a lump sum upfront and repay it automatically through a small percentage of your future card sales so repayments flex with your income.
There’s no fixed term and no traditional interest, just a one-time agreed fee.
How it works with Novuna Business Cash Flow
- Tell us your funding challenge - complete a short form or call
- We compare lenders across the full debt finance market
- You apply - with full support from a cash flow expert
- Access funding fast - often within 24-72 hours
Fast decisions. Flexible options. Funding over £2bn to more than 1,000 SMEs every year.
Is a merchant cash advance right for you?
You take regular payments via card terminal or online checkout
Funding is repaid automatically as a small percentage of your daily card sales.
You want funding that flexes with your revenue
Repayments adjust in line with your takings, easing pressure during quieter periods.
You prefer to avoid fixed monthly repayments
No set instalments mean you only repay when you make sales.
If that sounds like your situation, we’ll help you compare lenders and get funded fast.
What's your quick funding challenge?
I need a loan fast to cover urgent business costs
I’m waiting on invoices and need cash now
I need an overdraft-style facility I can access anytime
I want fast working capital without long-term commitments
How we help
We search the market for merchant cash advance providers that suit your sector and card volumes.
Tell us what you need
Start with a simple form or call - tell us your business challenge.
We compare your options
We search the market for merchant cash advance providers that suit your sector and card volumes.
Choose the right type of funding
Access a range of short-term funding options including loans, advances, and invoice finance.
Apply with expert support
Get help applying - with a real expert on hand throughout.
Understand the terms upfront
We’ll make sure you’re clear on the fees, repayment percentages, and provider terms.
Receive funding fast
Decisions and funding are often possible in just 24-72 hours.
Why take action now
Don’t let a cash flow pinch stop your business
Fast access to finance can protect jobs, projects, and growth
The sooner you act, the better your options
We help you avoid high-cost lending by comparing the right products upfront
Why choose Novuna Business Cash Flow?
Why businesses trust us for fast funding
We're highly rated by our existing customers
"The communication and support has been outstanding. Providing me with all the information I needed regarding new clients coming onto our books. The system they use is so user friendly and the drawdown payments are very efficient in the fast moving world of temporary payroll.'
More reviewsWe're a multi-award winning business cash flow specialist
Innovation in the SME Sector 2024
Alternative SME Lender of the Year
SME Lender of the Year 2023
Best Use of Technology 2023
Best Provider 2023
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