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

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 within hour

All Major Cards Accepted

Cheryl MaraghCheryl Maragh
21:54 04 Mar 22
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.read more
Tariq IshaqTariq Ishaq
00:21 25 Jan 22
Very happy with the service received from Avantis, any queries we’ve had have been dealt... with promptly. Very friendly staff, always happy to clarify any issues. Keep up with the good work guys.read more
Vicii BotanicalsVicii Botanicals
17:55 24 Jan 22
I have a CBD products company and was finding near impossible to find a professional... merchant account! Avantis helped all the way to find the right one that has helped my business grow! Avantis are professional with great communication and still help me after the sale. I highly recommend them to all companies!read more
Dawn SmailDawn Smail
12:22 21 Jan 22
I’ve had such a great experience with Avantis Direct; the customer support is fantastic.... If I ever have any questions, they’re very helpful and responsive. I would highly recommend this company if you need to set up payments for your business.read more
Stevo J ThompsonStevo J Thompson
15:13 20 Jan 22
I would highly recommend Avantis Direct For POS processing card payments. It's was... simply to setup, made us a good saving and the service and support has been excellent sinceread more