How Much Business Funding Can I Get?
Most UK businesses can access £5,000 to £1,000,000 through Merchant Cash Advance, based on 1-2x their average monthly card sales. Perfect for stock expansion, equipment upgrades, or marketing campaigns.
Funding Amount by Business Type
Retail & Hospitality
Based on monthly card sales (1-2x multiple)
B2B Businesses
Based on outstanding invoices (80-90% value)
Factors That Increase Your Funding Amount
1. Longer Trading History
2+ years = higher multiples (1.5-2x vs 1-1.2x)
2. Growing Sales
Month-on-month growth = confidence boost
3. Lower Existing Debt
Less obligations = more capacity
4. Profitable Business
Positive cash flow = higher amounts
5. Industry Type
Restaurants, retail score higher than high-risk industries
6. Consistent Sales
Steady monthly turnover shows reliability
Calculate Your Exact Funding Amount
Free instant calculation based on your monthly sales
Get matched with the right funding for your growth plans
Frequently Asked Questions
How much business funding can I get?+
Merchant Cash Advance: Typically 1-2x your average monthly card sales. If you process £30,000/month in card payments, you could access £30,000-£60,000 for growth. Invoice Finance: 80-90% of outstanding invoices. Bank loans: Varies by credit and collateral.
What determines how much I can borrow?+
For MCA: Your monthly card sales volume and consistency. For Invoice Finance: Value of unpaid invoices and customer creditworthiness. For bank loans: Your credit score, trading history, profitability, and available collateral.
Can I get more funding if my sales are growing?+
Yes! Growing month-on-month sales show a healthy business trajectory. Established businesses with consistent growth often qualify for higher multiples (1.5-2x) compared to newer businesses (1-1.2x).