A Merchant Cash Advance (MCA) is a form of unsecured business loan that provides businesses with a lump sum of cash upfront. Instead of making fixed monthly repayments, businesses repay the loan by allowing the lender to take a percentage of their future card sales. 

A Merchant Cash Advance is, therefore, a good option if you regularly take payments via a card terminal, i.e., if you are a customer-facing business like a restaurant, dentist, florist, or cafe.  

It’s important to carefully consider your financial situation, explore other funding options and, choose the type of finance that aligns best with your business goals and repayment capacity.