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What is an
Merchant Cash Advance

A Merchant Cash Advance (MCA) is a simple cash flow-friendly way to borrow funds against your daily transactions on your card terminal with a flexible repayment method.

How it Works?

Merchant statements are assessed for affordability. A quote will be provided on how much your customer can borrow.

Once approved a split is setup which enables the finance company to take set % of every card transaction untill the advance is repaid. There is no minimum amount owed or set term (expectations will apply).

Customers can renew their facility once a % of the advance has been repaid.

Customer pays merchant by card payments, funds go into the merchants nominated settlement  account / business bank account.

Acquiring bank will change the settlement account that customers has attached  to their terminal to a Avantis Direct account to enable a split on the taking to enable repayment. If their is delay we will collect the direct debit in the short term.

Once the settlement account is receiving the funds from the merchant, the hold back amount / split will allow the customer and merchants to receive funds (i.e. 85% Customer / 15% finance company Automatically.

Product Highlights

Advance up to 100% of Client's average monthly taking

Charge 1 all-inclusive fixed fee, no interest or other fee

The advance is repaid as an agreed percentage of their future card sales

Product Highlights

Maximum split of 15%

Work with most UK card acquires

No weekly or monthly minimum repayment amount

Repayment Examples

Repayment Amounts

Customer Journey

Step 1
Application

Submit FFF or card statements or 365 portal, landing page or api or Open Banking

Step 2
Offer in Principle

Automated credit checks undertaken and indicative offer presented.

Step 3
Underwriting & Offer

Application underwritten and contracts generated

Step 4
Funding

Funding within hour

All Major Cards Accepted

Discover what our customers are saying about us

Excellent
Based on 29 reviews
AtifSany TV
AtifSany TV
2024.01.17.
Avantis Direct made paying online super easy for me. Setting it up was simple, and I feel secure with their strong safety measures. The payments go through quickly, and the website is easy to use. What's really cool is that if I ever have a question, their customer support is fast and friendly. I totally suggest using Avantis Direct for a smooth and user-friendly way to handle online payments.
Ali Abrar
Ali Abrar
2024.01.17.
Avantis Direct has transformed my online transactions with its efficient payment gateway service and the experience has been nothing short of exceptional. The integration was smooth, and the security features are top-notch, ensuring a secure environment for transactions. The user-friendly interface and rapid processing have streamlined my payment processes. What sets Avantis Direct apart is its exceptional customer support, providing quick and helpful assistance whenever needed. Highly recommend for a reliable and user-friendly payment solution.
Abdul Hassan
Abdul Hassan
2024.01.11.
They offers a reliable payment gateway solution with seamless integration. Their user-friendly interface simplifies transactions, making it easy for businesses to manage payments. The robust security measures instill confidence in customers, ensuring a safe online payment experience. However, occasional customer support delays have been reported, impacting issue resolution time. Overall, Avantis Direct provides a solid payment gateway option for businesses seeking efficiency and security in online transactions.
Cheryl Maragh
Cheryl Maragh
2022.03.04.
I have been using Avantis Direct for the last 10 months and would highly recommend the company. It is refreshing to use Avantis after previous bad experiences, they are friendly, professional and tailor their services to our business.
Anna Smith (Tidy up fiend)
Anna Smith (Tidy up fiend)
2022.02.28.
Naveed Rasool
Naveed Rasool
2022.02.17.
Asif Shahid
Asif Shahid
2022.02.17.
Crypto Rikki
Crypto Rikki
2022.02.17.
Victoria Callaghan
Victoria Callaghan
2022.02.15.
Great company, excellent communication from start to Finnish, would highly recommend Avantis Direct.
Alex Mierau
Alex Mierau
2022.02.15.
Great service and friendly people! Excellent knowledge on what they do. Couldn't recommend enough

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