Merchant/Invoice Finance

Unlock the cash in your sales or invoices and boost cash flow

What Is Merchant Cash Advance & Invoice Finance?

Merchant Cash Advance and Invoice Finance are flexible working capital solutions that allow you to access funds based on your business’s incoming revenue, not your assets or credit score.

  • A Merchant Cash Advance (MCA) provides an upfront lump sum repaid via a small percentage of your daily debit or credit card takings.

  • Invoice Finance releases cash tied up in unpaid invoices, so you don’t have to wait 30, 60, or 90 days for clients to pay.

Both are ideal for improving cash flow, managing day-to-day expenses, and investing in business growth — without needing to offer property as security.

Types of Merchant & Invoice Finance

At The Funding Group, we offer tailored funding solutions depending on your industry, cash flow cycle, and funding needs.

Merchant Cash Advance

  • Quick funding based on recent card sales

  • Flexible repayments: pay more when sales are high, less when they’re not

  • Ideal for hospitality, retail, beauty, and leisure sectors

Invoice Discounting

  • Maintain control of your credit control process

  • Confidential — customers don’t know you're using finance

  • Suitable for experienced finance teams

Invoice Factoring

  • The lender manages your sales ledger and collections

  • Faster access to working capital

  • Ideal for SMEs that need back-office support

Selective/Spot Invoice Finance

  • Finance individual invoices instead of your full ledger

  • No long-term contracts or monthly minimums

  • Flexible, on-demand cash flow support

Typical Terms & Key Features

  • Advance Amounts: £5,000 to £5 million+

  • Merchant Advance Repayment: 5% to 20% of daily card sales

  • Invoice Advance: Up to 90% of the invoice value

  • Term Length: Typically 3 to 12 months (ongoing or short-term)

  • Security: No property required — based on sales or invoices

  • Speed: Offers in 24–48 hours; funding often within 3–5 working days

We work with a panel of UK funders to secure flexible, fast-working capital designed for your business.

Who Can Use Merchant or Invoice Finance?

These funding solutions are suitable for a wide range of UK businesses, including:

  • Businesses with strong card sales (hospitality, retail, salons, e-commerce)

  • B2B businesses issuing invoices with long payment terms

  • SMEs with seasonal or inconsistent cash flow

  • Companies with limited assets or no property to secure a loan

  • Startups and growing businesses looking for flexible funding

Even if your credit history isn’t perfect, approval is possible based on sales or invoice value.

Benefits of Merchant Cash Advance & Invoice Finance

  • No property or fixed assets required

  • Repay as you earn — perfect for seasonal or variable income

  • Release working capital fast

  • Flexible structures — no fixed monthly repayments

  • Improve cash flow without taking on long-term debt

  • Maintain business ownership and control

  • Grow without waiting for invoices to clear

Both solutions give you the freedom to fund your business in line with revenue — not against rigid banking criteria.

Ready to Unlock Cash from Sales or Invoices?

If your business takes card payments or issues invoices to other businesses, The Funding Group can help you access fast, flexible funding without the need for security or complex paperwork.

Speak to one of our funding specialists today for a no-obligation quote and tailored recommendation.