Merchant cash advance
Funding that moves with your takings.
A lump sum for your business, repaid as a small percentage of your card sales. Busy week, you pay more. Quiet week, you pay less.
Eminence Business Solutions Limited is an introducer, not a lender. All funding is subject to status and lender approval. Terms apply.
- Repaid by
- A set % of daily card sales
- Collateral
- None
- Our role
- Introducer, not a lender
- Decision
- Subject to status and lender approval
Brochure
Everything on one page.
The full rundown — kit, specs and what’s included. Ask Amos for a copy and he’ll send it straight over on WhatsApp.
The short version
Why businesses use it
- 01
Repayments flex with sales
There's no fixed monthly figure leaving your account on the 1st. You repay as you take card payments.
- 02
No collateral
It's based on your card takings, not your house or your van.
- 03
One cost, agreed up front
You know the total amount to repay before you accept. No compound interest running in the background.
- 04
Spend it on the business
Stock, staff, a refit, new equipment or a marketing push — it's your call.
The mechanics
How repayment works.
Three steps, and then it looks after itself.
- 01
You receive a lump sum
An amount based on your recent card takings, agreed with the lender before anything is signed.
- 02
A set share of card sales goes back
An agreed percentage of each day's card takings is applied to the balance automatically.
- 03
It finishes when it's repaid
There's no end date to diarise. When the agreed total is repaid, repayments stop.
Illustrative only. The advance amount, the percentage and the total repayable are set by the lender.
Common uses
What business owners put it towards.
- Stock for a busy season
- Hiring and training staff
- A refit or new seating
- Kitchen or salon equipment
- Marketing and local advertising
- Covering a quiet stretch or a tax bill
Before you apply
What a lender will want to see.
We'll tell you honestly whether it's worth applying before you spend time on paperwork.
- How long you've been trading
- Your recent card takings, usually via statements
- Your average monthly card volume
- Basic business and ID details
All funding is subject to status and lender approval.
Questions
Cash advance questions
Is this a loan?
It's an advance against your future card sales rather than a traditional fixed-term loan. You agree a total to repay, and it comes back as a percentage of your card takings.
Are you the lender?
No. Eminence Business Solutions Limited is an introducer, not a lender. We introduce you to funders and all decisions are theirs, subject to status and approval.
What does it cost?
You're quoted a single total to repay, which is more than the amount advanced. The lender sets that figure based on your business. Compare it against the alternatives before you accept.
What if I have a quiet month?
You repay less. That's the point of the structure — repayments are a percentage of what you actually take on card, not a fixed monthly amount.
Get started
Ask about funding
Tell us roughly what you take on card each month and Amos will tell you what's realistic.
- Free, no-obligation comparison
- Amos calls you within one working day
- No cost to you — we're paid by the provider