Unsecured Business Finance
Receive £5k to £250k in 24 hours with a 90% approval rate. Check your eligibility for free in 2 minutes.
- Borrow from £5,000 to £250,000
- Poor credit history allowed
- Flexible repayments based on your card sales
- Unsecured & no business plan required
- Approval within 24 hours - 90% approval rate
Free decision in minutes
Get funding to grow your business
A Merchant Cash Advance provides you access to £5k to £250k in funding without the need for a business plan, providing security, or personal guarantees.
How does it work?
A small percentage of your future credit and debit card sales are taken to repay the advance, meaning you only make repayments when your customers pay you. So, if you have a quiet month, you pay less, and when your revenues increase, you pay more.
No large repayments. Repay as you earn.
On average clients agree that 10% of future card/terminal sales would go to the lender to pay back the advance, leaving 90% to come directly to you as per usual. 10% will continue to be taken until the advance is repaid.
The majority of our clients love that they don’t even notice the repayments coming out, unlike a typical bank loan where a monthly lump sum must be paid back regardless of how well your business is doing.
- Approval within 24 hours
- No APR or fixed monthly payments
- Over 90% of applications approved
- No security or business plans required
Get flexible, fast funding today
- Free quote
- Tailored to your business
- No obligation
How do you get funded?
Check eligibility in minutes
Get your funds in 24 hours
Payback only when you sell
Does my business qualify for a Merchant Cash Advance?
A Merchant Cash Advance is suited to all types of SME businesses that take card payments online or in person via a card terminal (PDQ). MCA’s are ideally suited for many types of businesses such as hospitality, convenience stores, supermarkets, services, trades, e-commerce, sole traders and many more.
If your business meets the following you can apply for an MCA
- Your business is UK based
- Your business has been trading for 4+ months
- Your business takes £5,000 per month or more from credit/debit card payments
- Your business transacts a minimum of 10 card transactions per month
If your company does not meet the criteria then don’t worry – our expert team can offer a whole array of options tailored to your specific business needs. Just contact us to find your ideal solution.
Our service to you
At Reform Financial we pride ourselves on our ability to work at pace, over-deliver on our promises, and provide award winning service for all of our clients. We know exactly how hard it is to build a strong, long-lasting business, and how integral healthy cash flow is.
As a broker our service is absolutely free of charge for you to use, so you can get the facts you need to make the best decision for your business. We have spent an incredible amount of time building and nurturing extremely strong relationships with our partners, so you can trust us to connect you to only the very best of the best.
Boost your business with a merchant cash advance
- Payback as you earn
- Maintain your cash flow
- Completely flexible
EFT Finance Limited is an FCA accredited finance broker, Reg No. 667290. EFT Finance Limited may receive payment(s) or other benefit from the finance provider if you decide to enter into an agreement with them.
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