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Merchant Cash Advance

A newly-released study by Creditcards.com, shows that while Millennials and GenXers increasingly use plastic or their phones to pay for small purchases, 70 percent of Boomers and those in the 72-and-older group still prefer to use cash to pay for items that cost $5 or less at the store.

Flexible funding tailored to you

Unlock a more adaptable way to access capital — repaid only as your sales flow in. You’ll agree on a single, upfront cost — no fixed monthly payments, no hidden fees, no penalties, ever.

What is a Merchant Cash Advance?

A Merchant Cash Advance (also known as a Business Cash Advance) is an unsecured, sales-based finance solution, providing quick access to funding from £4,000 to £200,000. Unlike traditional loans, there’s no interest rate or fixed repayment schedule. Instead, you repay via a small percentage of your future credit and debit card sales — allowing flexibility that aligns with your business performance:

  • Busy periods = larger payments
  • Quiet times = smaller repayments

Ideal for card-accepting businesses, it’s a fast and convenient way to boost capital.

Quick access to capital

  • No APR or fixed monthly repayments
  • Over 90% of applications approved
  • No collateral or business plan required
  • Approval within 24 hours
  • Funding delivered in days

Request a free quote today — it won’t affect your credit score.

Why choose Sion Payments’ Cash Advance?

Our funding acts like an immediate injection of cash, bypassing the slow, complex processes typical of bank loans. Whether you’ve had credit challenges or past rejections, you may still qualify for support up to £200,000

Once approved, you can easily renew or top-up, with flexibility you won’t find in traditional finance.

Use your funds where you need them

Apply your advance to:

  • Bolster working capital: payroll, suppliers, daily costs
  • Invest in new equipment or vehicles
  • Expand operations: new locations, staff, services
  • Market your offerings and attract more customers
  • Lease premises and solidify your business footprint

Business Cash Advance vs. Bank Loans

Feature

Merchant Cash Advance

Traditional Bank Loan

Repayment

% of card sales

Fixed monthly payments

Fees

One upfront cost, no interest or penalties

Interest, admin fees, penalties

Term

Sales-driven, typically 5–10 months

Fixed term, set duration

Collateral & business plan

Not required

Usually required

Approval & funding

Within 24 hours & days

Weeks to process and fund

How it Works

1

You agree on a fixed percentage of future card sales to repay the advance.

2

Each time a card sale is processed, the set percentage is automatically deducted.

3

Collections continue daily until the advance is fully repaid. Once cleared, deductions stop — no further charges.

Get started with Sion Payments

Ready to grow with flexible, hassle-free funding? With Sion Payments, you get:

  • Fast, unsecured financing up to £200k
  • Flexible repayments tied to card sales
  • No APR, hidden charges, or penalties
  • Over 90% approval within 24 hours
  • Quick access to funds within days
  • Greater flexibility compared to conventional loans
  • Faster access to the funds you need
  • No need for lengthy applications or collateral
  • Repayments scale with your turnover — you pay more when business is good, less when it’s quiet
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