Merchant Cash Advance
Flexible funding based on your card sales
Repay automatically as a percentage of your daily card takings - no fixed monthly payments
Get started
Get funding in three simple steps
Check
Answer a few quick questions about your business and funding needs. No credit check required at this stage.
Chat
A dedicated Spark adviser will discuss your options and recommend the best funding structures for you.
Receive
Once approved, funds are released quickly - often within 24-48 hours of completing your application.
Intelligent Lending
Our proprietary matching platform and data infrastructure gives UK SMEs access to the right lender faster than any traditional route.
Card-based business?
Retail MCA
Fund new stock, refurbishments or seasonal campaigns with capital tied to your card sales. Repayments slow down when trade is quiet.
Hospitality MCA
Restaurants, bars, cafés and hotels can access funding tied to their card machine takings without affecting their cash flow on slow days.
Leisure & Entertainment MCA
Gyms, spas, cinemas and leisure operators can access working capital that scales with their actual revenue - perfect for seasonal businesses.
Why businesses choose us
Flexible
Repayments flex with your card sales - pay more when busy, less when quiet.
Specialists
Access to all the leading MCA providers in the UK through one application.
Fast decisions
Same-day decisions and funding within 24-48 hours.
Tailored solutions
We find the right factor rate and percentage split for your business.
Finance by Industry
Fund fit-outs, stock, seasonal cash flow and business expansion for retail operations.
See Retail finance options →Merchant Cash Advance FAQs
An MCA provides a lump sum of capital repaid through an agreed percentage of your daily card terminal receipts - typically 10-20% of daily takings.
Merchant Cash Advance across the UK
Spark Finance arranges merchant cash advance for businesses across England, Scotland, Wales and Northern Ireland. Select your nearest city for local rates and expert support.
London
South East
East of England
South West
Midlands
North West
Yorkshire
North East
Scotland
Northern Ireland
Available in 173 cities and towns across the UK. Contact us if your location is not listed above.
What our clients say
Don't just take our word for it. Hear from the businesses we've helped access the right finance.
SECURE YOUR FINANCE"Could not recommend Finn more highly enough. Fantastic service and communication from start to finish. Was happy to answer 100 questions and always there for any support."
James
Verified Trustpilot Reviewer
"Charlie was amazing throughout the entire process! He responded quickly to all our queries and kept us informed every step of the way. His support and dedication made the experience smooth and stress-free. Highly recommend working with him!"
Sarah T.
Verified Trustpilot Reviewer
Business finance resources
14 MIN READThe Complete Guide to Asset Finance for UK Businesses (2026)
Everything UK business owners need to know about asset finance: how hire purchase, finance lease and operating...
READ MORE
15 MIN READThe Complete Guide to Business Loans for UK Companies (2026)
A plain-English guide to UK business loans: the difference between secured and unsecured lending, what rates t...
READ MORE
13 MIN READThe Complete Guide to Bridging Loans for UK Businesses (2026)
How bridging loans work, when to use one, what they cost and how to find the right exit strategy. Covers resid...
READ MORE