At Eynsham House, we understand that not every business fits neatly into traditional lending models. A Merchant Cash Advance (MCA) is designed specifically for businesses that generate regular card sales, offering a fast and flexible way to access working capital.
Instead of fixed monthly repayments, your advance is repaid through a small percentage of your daily card transactions. This means repayments naturally rise and fall in line with your revenue — giving you breathing space during quieter periods and aligning costs with your cash flow. There is no fixed repayment term; the advance is simply settled as your sales come in.
Fast funding
Quick access to working capital with a simple, streamlined application — often funded within days.
Flexible repayments
Repayments rise and fall automatically with your card sales, so you never face fixed payments during quieter periods.
Business-friendly
No security required, minimal paperwork and no fixed term — designed for businesses with steady card revenue.
Is a merchant cash advance right for your business?
An MCA works best for businesses with consistent card-payment revenue — typically retail, hospitality, leisure and professional service businesses. If your turnover fluctuates seasonally or month to month, the variable repayment structure can be a significant advantage over a fixed-term loan.
Common uses include stocking up on inventory ahead of a busy season, funding marketing campaigns, covering refurbishment costs or managing unexpected expenditure — all without the delays or security requirements of a conventional business loan.
What can an MCA be used for?
- Stock and inventory — front-load purchases before peak trading periods
- Refurbishment — upgrade your premises without a capital outlay that strains cash flow
- Marketing and growth — invest in campaigns when the opportunity is there
- Equipment — acquire essential items when asset finance isn't the right fit
- Working capital gaps — bridge short-term cash flow pressures without a long-term commitment
How we help
Eynsham House compares MCA providers across our lender panel to find the most competitive factor rate and advance amount for your business. We handle the paperwork, explain every cost clearly, and ensure you understand exactly how repayments will work before you commit.
Above all, our focus is on keeping things clear and supportive. We make sure you understand the terms, repayments and benefits from the very start, so you can move forward with confidence.