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Funding That Works with Your Card Sales, Not Against Them

  • Access quick funding based on your card takings
  • Repay through a small percentage of future transactions
  • No fixed monthly payments or loan structures
  • Ideal for retail, hospitality and other card-reliant businesses
Receive Your Free Quote

Why Choose a Merchant Cash Advance?

Merchant Cash Advances are a flexible way to access funds without fixed monthly repayments. If your income varies, this option flexes with you, giving you breathing space while keeping your business moving.

Repay only when you earn

A small percentage of card sales goes toward your balance automatically.

No Collateral Required

No need to secure the loan against assets - ideal for businesses without significant collateral.

Simple
and fast

Minimal paperwork and funding often within days.

Flexible use
of funds

Use the advance for anything from stock to staff or renovations.

Ideal for seasonal and customer-facing businesses

Great for retail, salons, cafés, and hospitality where takings fluctuate.

Don’t Wait!
Get In Touch

Speak to an Expert

Who Is a Merchant Cash Advance For?

This option suits businesses that process regular card transactions and need a funding solution that adapts to income.

  • Retailers, cafés and service businesses with card turnover
  • Seasonal businesses with fluctuating income
  • SMEs looking for fast, unsecured working capital
  • Owners wanting flexible repayments that match performance

If you take payments via card, a Merchant Cash Advance could offer the flexibility your business needs.

Types of Merchant Cash Advance We Offer

  • Standard Merchant Cash Advance - Borrow an amount based on your monthly card sales and repay automatically through each transaction.
  • Split Settlement Solutions - Ideal for integrated terminals or e-commerce setups where repayments are handled at the point of sale.
  • Top-Up Facilities - Access additional funding before the original balance is fully repaid, based on performance.
Check Your Eligibility

How It Works

Start Your Application

Tell us about your
card sales

We’ll look at your average monthly revenue from card payments.

We find your ideal
funding option

Our team connects you with the best-fit lender based on your income.

Repay as
you earn

A fixed percentage is taken from future transactions until the advance is cleared.

Let’s Find a Finance Solution That Moves with Your Business

We help customer-facing businesses access funding that adapts to their income — no fixed repayments, no unnecessary pressure.

Receive Your Free Quote

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All calls to and from our office phone are recorded for training, monitoring, and regulatory purposes. This is to ensure we maintain high-quality standards and comply with applicable regulations. By contacting us, you consent to the recording of calls.

Sabini Commercial Finance Limited is an independent asset finance brokerage not a lender, as such we can introduce you to a wide range of finance providers depending on your requirements and circumstances. We are not independent financial advisors and so are unable to provide you with independent financial advice. Sabini Commercial Finance Limited will receive payment(s) or other benefit from the finance provider if you decide to enter into an agreement with them.

Sabini Commercial Finance Limited is an Appointed Representative (672858) of AFS Compliance Limited which is Authorised and Regulated by the Financial Conduct Authority No. 625035. Sabini Commercial Finance Limited is a Franchisee of Asset Finance Solutions (UK) Limited. Sabini Commercial Finance Limited is incorporated in England and Wales (company number: 08334887) with its registered office at THE MALTINGS, ROSEMARY LANE, HALSTEAD, ESSEX, CO9 1HZ.