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Business Loan or a Merchant Cash Advance?

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Borrow between £2,500 and £300,000 and choose to spread the cost of your loan over 4 - 18 Months with easy to manage instalments.
91% APR Representative

Business Loan or a Merchant Cash Advance?

When your business is in dire need of capital, you need a quick financing solution, like a merchant cash advance or a business loan. But which option is better suited to your small business? Why get a merchant cash advance? Are business loans better? They each have advantages and disadvantages, so it’s best to compare them before you make any decisions.

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Why Consider A Merchant Cash Advance Over A Business Loan?

The first thing you need to know about a merchant cash advance is that it’s not technically a loan. While you still borrow money from a lending entity, you’re actually just receiving an advance from your future sales. Is this the solution to your financing issue?

Where It Excels

Where It Falls Short

Why Consider A Business Loan Over A Merchant Cash Advance?

Business loans aren’t free either, and will come with interest, but, like other loans, they provide options. You can get an unsecured business loan or a secured one, depending on your financial status, you have access to more money, etc. But is it the best option for your business?

Where It Excels

Where It Falls Short

All in all, both a business loan and a merchant cash advance can provide some much-needed help for your small business. Each option comes with advantages and disadvantages and the choice between the two is best made depending on what your needs and priorities are.

If you’re not convinced either way, you may want to read more about pros and cons of merchant cash advances and see if that provides any clarity or insight into what the right choice is for your business.

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91% APR Representative

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