“Merchant card services is a fast way to release cash from your future card machine and ecommerce sales within your business. You can borrow from as little £1k upwards.”
Richard Huxley Director
Merchant card services
Merchant card services with Huxley Corporate Finance is a simple way to release funds from future income for instant cashflow today. It is one of the easiest funding options to apply for.
Merchant card services
explained
Merchant card services offer a flexible business funding option that unlocks future income to provide immediate cash flow today.
Merchant cash advances can be easier to obtain than traditional funding options and they’re a good alternative for businesses with few assets, or limited credit history. If you have been rejected for other types of funding, you may still be eligible for a merchant cash advance.
Simply put, a lender provides a lump sum that’s repaid over time (on a daily, weekly, or monthly basis), as a fixed percentage of card payment receipts.
Merchant card services made simple
Merchant cash advance is a lump sum payment from selling a provider a set percentage of your future card sales. Repayments are taken automatically from your card sales every business day. Here’s a quick overview of why merchant card services could be the right option for you:
- Can be easier to obtain funding than traditional options
- Almost any non-cash, non-invoice revenue considered
- Perfect for sole traders, partnerships and limited companies
- Ideal for the hospitality industry, car garages or ecommerce
Merchant card services FAQs
How much can I borrow?
You can borrow up to 50% of your average monthly revenue generated through card payments, with funding available up to £1,000,000. The exact amount depends on your recent trading history, card turnover, and the lender’s criteria. This type of funding is designed to grow in line with your sales, making it a flexible option for businesses with strong card payment volume.
How long does it take to receive funding through merchant card services?
Funding can often be approved and paid out within 24 to 72 hours, depending on the lender and how quickly you can provide supporting documents. This makes merchant card advances one of the fastest funding options available — ideal when cash flow needs are urgent.
Is a merchant cash advance just for card machine payments?
Primarily, yes — the loan is based on the revenue you generate through your card payment terminal. However, some lenders can also support businesses that use online payment gateways or mobile card readers, as long as there’s consistent card turnover. We’ll match you with a lender that fits your setup.
How do I make my repayments?
Repayments are automatically deducted as a fixed percentage of your daily card takings. This means when business is quieter, your repayments reduce — and when sales pick up, you repay faster. This flexible repayment structure helps manage cash flow more effectively than fixed monthly payments.
Who tends to use merchant card services as a funding option?
Merchant card advances are popular with retailers, restaurants, salons, hospitality venues, and other customer-facing businesses that take regular card payments. They’re especially useful for businesses with strong card turnover but limited access to traditional loans. If your revenue is card-driven, this could be a fast and flexible way to raise capital.