Merchant Cash Advance Calculator
A merchant cash advance is repaid as a percentage of your daily card sales. Use the calculator below to see the advance available and how quickly it would typically be repaid.
Your inputs
Estimated cost
Advance amount
£100,000
Total repayable
£125,000
Cost of finance
£25,000
Estimated time to repay
8.3 months (~250 trading days)
Assumptions used in this calculator
- Repayment time assumes consistent monthly card revenue.
- A factor rate is a multiplier, not an APR - the true cost depends on how quickly you repay.
- Most providers require 3-6 months of card processing history.
Calculator questions
How is a merchant cash advance different from a loan?
It's a purchase of future revenue, not a loan. There's no fixed term or APR - you repay faster when business is booming and slower in quieter months.
Do I need to switch card processor?
Most lenders work with your existing card processor via a split or direct debit arrangement. No need to change provider.
How to get merchant cash advance through Spark Finance
- 1
Check your average monthly card takings over the last three to six months.
- 2
Apply through Spark Finance - the lender connects to your card acquirer directly.
- 3
Receive a same-day or next-day decision based on your card processing history.
- 4
Funds are advanced and repaid automatically as a percentage of your daily card sales.
Learn more about merchant cash advance
The Complete Guide to Merchant Cash Advances for UK Businesses (2026)
May 21, 2026 · 12 min read
Merchant Cash Advances for Restaurants: A UK Operator's Guide
May 9, 2026 · 6 min read
Merchant Cash Advance for Retail: Is It Right for Your Business?
May 8, 2026 · 6 min read