Merchant cash advance for ecommerce brands - how it fuels growth

Thursday 14th August 2025

Cash flow challenge: I need extra funds to boost marketing, increase stock, and meet growing demand, but my revenue is tied to online sales.
Perfect for: Online retailers with steady card sales looking for fast, flexible funding that grows with revenue.

Novuna helps ecommerce brands secure funding based on future card sales, either through our award winning in-house service or by comparing the market to find the best fit for your business.

We work with providers who understand online retail, help you apply, and make sure you get the right deal to support growth.

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What is a merchant cash advance?

A merchant cash advance is a type of funding where you receive a lump sum upfront and repay it as a percentage of your daily card transactions. This means repayments automatically adjust in line with your sales volume, offering flexibility during quieter trading periods.

Unlike traditional loans, MCAs do not have fixed repayment dates, you pay back the agreed amount as you process sales through your card payment system.

How ecommerce brands can benefit from MCA

Launch new marketing campaigns – Invest in paid ads, influencer partnerships, or seasonal promotions without straining your working capital.
Purchase stock in bulk – Secure products before peak seasons or take advantage of supplier discounts.
Expand product ranges – Introduce new lines to boost customer engagement and average order value.
Upgrade technology and fulfilment – Improve your ecommerce platform, warehousing, or delivery capabilities.

Key advantages of MCA for ecommerce growth

Fast approval times - often within 24-48 hours
Flexible repayments tied to your sales volume
No need for traditional collateral or perfect credit history
Suitable for businesses with fluctuating revenue patterns

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Things to consider before choosing MCA

Cost of borrowing – MCAs can be more expensive than traditional loans, so compare offers carefully.
Sales consistency – Works best for businesses with regular card payment volumes.
Provider reputation – Choose a provider experienced in supporting ecommerce businesses.