Funds available quickly after approval.
A straightforward application and upfront quote gives you a faster route to capital for stock, equipment, staffing, refurbishment, marketing, or expansion.
Merchant Cash Advance
Funding that moves with your card sales.
Access working capital based on your card turnover, then repay automatically through an agreed percentage of future card takings. When trading is busier you repay more; when it is quieter, repayments slow down with you.
How it helps
Flexible capital without fixed monthly repayments.
Repay as customers pay you.
An agreed split is collected from card transactions until the advance is repaid, helping repayments stay aligned with real trading conditions.
Know the cost before you accept.
The advance amount, repayment split, and total repayable amount are agreed upfront, so there are no hidden interest charges later.
Eligibility
Designed for businesses taking regular card payments.
A merchant cash advance is built around card turnover, so it is most relevant to businesses already accepting card payments through a terminal or online payment setup.
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Accepting credit or debit card payments
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Regular card payment history
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Monthly card turnover from around £2,500
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Sole traders, partnerships, LLPs, and limited companies considered
How repayment works
1
Apply in minutes
Share your business details and recent card payment activity so a funding option can be assessed.
2
Agree the offer
Review the advance amount, repayment split, and total repayable amount before accepting.
3
Funds land
Once approved, funds can be released quickly so you can put the capital to work.
4
Repay through sales
A small agreed percentage is collected from card transactions until the advance is repaid.
Want to check what your business could access?
Talk to the N1 Payments team and we will help you understand whether a cash advance is the right fit.