Lender directory
UK merchant cash advance providers
UK providers that publish merchant cash advance terms (advance against future card or platform sales, repaid as a daily share). Card processing volume, processing history and platform integration usually drive eligibility. Each provider's detail page summarises typical advance size, factor-rate basis and repayment mechanics.
Eligibility guidance only - not financial advice, not a loan offer, not a guarantee of approval. Lendrly is not FCA-authorised and is not a credit broker.
UK lenders tracked (6)
Listed A-Z. Not a ranking or recommendation.
- LI
Liberis
Merchant Cash Advance
Liberis provides embedded merchant cash advance and revenue-based finance products through partner platforms to UK and international SMEs.
Amount: £500–£1m; flexi up to £2m via partners
See lender profile - PA
PayPal
Merchant Cash Advance
PayPal Working Capital and PayPal Business Loan are short-term funding products for UK SMEs that already process payments via PayPal.
See lender profile - SH
Shopify
Merchant Cash Advance
Shopify Capital provides merchant cash advance and short-term loans to eligible UK Shopify merchants based on store revenue.
Amount: £400–£2m cash advances; £200–£1m loans
See lender profile - SQ
Square
Merchant Cash Advance
Square Loans offers short-term financing to eligible UK Square merchants based on processing history through Square's payment platform.
Amount: £100–£250k
See lender profile - SU
SumUp
Merchant Cash Advance
SumUp Cash Advance offers short-term funding to eligible UK SumUp merchants based on card processing volumes.
Amount: £500–£100k
See lender profile - YO
YouLend
Merchant Cash Advance
YouLend provides embedded revenue-based finance and merchant cash advance through partner platforms to UK and international SMEs.
Amount: Up to 2x monthly revenue
See lender profile
Logos, trademarks and brand names belong to their respective owners. Lendrly is not affiliated with, endorsed by, or sponsored by these lenders unless clearly stated. Information is paraphrased from public lender pages and may not be exhaustive — always verify directly with the lender before applying.
How to use this directory
The directory is built for research, not for ranking lenders against each other. Two lenders covering the same theme can take very different views on trading history, sector risk, security and personal guarantees. Open each lender's profile to read the eligibility breakdown by product, including common blockers, typical repayment structure and speed to funding.
Lendrly does not act as a regulated credit broker. We do not submit applications on your behalf and we do not earn commission per lender click. Provider information is summarised from publicly available material and may not be exhaustive. Where details are not publicly disclosed, the lender's page will say so rather than guess.
Related guides and directories
Frequently asked questions
- What card-sales volume do UK MCA providers typically need?
- Most UK MCA providers publish a minimum of around £3,000-£10,000 in monthly card or platform sales, plus 3-12 months of processing history. Embedded providers tied to a payment platform (PayPal, Square, SumUp, Shopify) read processing data directly so eligibility is processing-led.
- Is a personal guarantee usually required for an MCA?
- UK MCA providers frequently request a personal guarantee, particularly at higher advance sizes. Some embedded providers operate without a traditional PG because repayment is automated from sales. Check each provider's published terms before signing.
- How are lenders listed on this page?
- Lenders appear in alphabetical order. This is not a ranking or a recommendation. Every lender is summarised from its publicly published criteria and may have other products outside this page's scope — see each lender's detail page for the full picture.
- Does appearing on this page mean approval is likely?
- No. Final terms, pricing and approval are subject to each lender's underwriting, affordability checks, credit assessment and documentation. Lendrly summarises published eligibility signals only; it cannot predict any individual application outcome.
- Is Lendrly a regulated credit broker?
- No. Lendrly is an independent education-first guide to UK SME finance. We do not submit applications, do not earn commission per lender click, and do not act as a regulated credit broker. Always confirm criteria, pricing and product availability directly with the lender before applying.
See which of these lenders may fit your business
Run the eligibility checker to compare your business profile against published lender criteria. Educational guidance only — not a quote and not a guarantee of approval.
Important — educational guidance only
- Not regulated by the FCA and not a credit broker.
- Not financial, legal or tax advice.
- Not a loan offer and not a guarantee of approval.
- Subject to lender underwriting — criteria can change.
Lendrly provides general eligibility guidance only. It is not financial advice, a loan offer, or a guarantee of approval. Provider criteria can change and final approval is subject to lender underwriting, affordability checks, credit assessment, and documentation. Lendrly is not a regulated credit broker; we do not submit applications on your behalf.