A merchant cash advance provides funding linked to future card takings. It may suit a business with regular card sales, but the repayment deductions need to leave enough cash for everyday costs.
How it works
The provider assesses card-processing history and advances an agreed amount. A proportion of card receipts is then used to repay the advance and its fee. The contract determines the collection method, total payable and any minimum obligations.
What to consider
- A fixed fee is still a borrowing cost. Compare the total amount repayable and likely repayment period with other options.
- Higher sales may repay the advance sooner without reducing the fee.
- Check how refunds, seasonal dips, processor changes and business closure are treated.
- Do not assume there is no personal guarantee or security: read the actual agreement.
What to prepare
Card statements, turnover history, margins and a cash forecast after deductions. Include rent, payroll, stock, VAT and other debt payments.
For a café or retailer, the key question is how much usable cash remains after each day’s sales deductions. A flexible collection pattern does not automatically make the funding affordable.
How Greystone can help
We can help you understand the figures and consider the effect on your business and the family behind it. Where detailed forecasts, calculations or application support are needed, we will agree the scope and any fee with you first.
Explore your next step
Start an enquiry with Swoop, or contact Greystone for a free initial conversation.
The portal opens on Swoop’s website. Swoop can confirm available products and the appropriate specialist route. An enquiry is not a funding offer.
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Prepared by Greystone Advisory using Swoop product information; reviewed October 2026. General information, not a personal recommendation. Greystone is not a lender. Funding is subject to eligibility, assessment and terms. We may receive commission from Swoop following completed funding. Specialist legal, tax or regulated advice may be needed for your circumstances.
