Our picks for the best merchant cash advance (MCA) providers in the UK for 2026 — flexible revenue-based funding for businesses with card terminals.
Last updated: April 2026. Written by the Lendus editorial team.
A merchant cash advance (MCA) lets UK businesses access a lump sum that is repaid as a small percentage of future card sales, meaning repayments automatically flex with revenue — slower months cost less. It's particularly popular in hospitality, retail, and leisure, where card takings are the lifeblood of the business.
YouLend is the UK's largest merchant cash advance provider and the embedded finance partner for major platforms including eBay, Just Eat, and Paysafe. Its seamless integration with card payment data means decisions are often made in minutes with minimal documentation required. Repayments are collected automatically as a percentage of card transactions, and there are no fixed monthly payments or penalties for slow periods.
Liberis is a global revenue-based finance provider that operates through embedded partnerships with payment processors, banks, and business platforms — including Barclaycard, Paymentsense, and Worldpay. This means many businesses can access a Liberis advance pre-approved through their existing payment provider with minimal friction. The product is genuinely flexible, with no fixed term and repayments that move with card revenue.
365 Business Finance has a strong focus on hospitality, retail, and leisure businesses, sectors where card turnover is the primary revenue indicator. It works with all major card payment terminals and processes applications quickly, with same-day funding in many cases. Renewals for existing customers are fast-tracked, making it a convenient repeat-funding option for seasonal businesses.
Or compare all 200+ lenders in 2 minutes
Check Eligibility| Lender | Best For | Rates | Amount | Speed | Rating |
|---|---|---|---|---|---|
| YouLend | Best overall merchant cash advance | Factor rate from 1.15x | £1,000 – £1,500,000 | Within 24 hours | 4.5/5 |
| Liberis | Best for embedded and platform-based funding | Factor rate from 1.18x | £1,000 – £300,000 | Within 24 hours | 4.4/5 |
| 365 Business Finance | Best for hospitality and retail | Factor rate from 1.2x | £5,000 – £400,000 | Same day – 24 hours | 4.3/5 |
| Capify | Best for businesses declined elsewhere | Factor rate from 1.2x | £3,500 – £500,000 | Within 24 hours | 4.3/5 |
| iwoca | Best for MCA with a credit line alternative | From 2% per month | £1,000 – £500,000 | Within 24 hours | 4.6/5 |
We assessed merchant cash advance providers on factor rates (the total cost multiplier applied to the advance), advance amounts relative to monthly card sales, repayment percentage flexibility, speed of funding, FCA authorisation status, and verified customer reviews. We also considered whether providers charge additional fees beyond the factor rate and how transparent they are about total repayment costs.
Compare 200+ lenders in 2 minutes. No credit check.
Check Eligibility