Merchant Cash Advance
Funding that flexes with your sales. Receive an advance against future card revenue with repayments that automatically adjust based on your daily takings.
Key Features
Revenue Based
Repayments tied to your actual sales
Flexible Repayments
Pay more when busy, less when slow
Fast Approval
Decisions based on transaction history
No Fixed Term
Repaid through percentage of sales
Recently Funded Deals
See what's possible with the right finance solution
*Based on real deals settled by Andorra Private. Details may be generalised for confidentiality.
Unregistered MIS — Industrial Warehouse Portfolio
The Scenario
A property syndicate structured as an unregistered managed investment scheme sought finance to acquire a portfolio of large industrial warehouses in regional Victoria.
The Challenge
The syndicate required non-recourse lending with no directors guarantees — a structure many lenders are unfamiliar with. Loan documentation needed to reflect the MIS trust structure correctly, requiring coordination between the client, their solicitor, and the bank's solicitor.
The Solution
We identified a major bank willing to provide a lease-doc facility on a non-recourse basis. We then worked closely with all parties — the client, their legal counsel, and the bank's solicitors — to ensure the loan contracts correctly reflected the trust structure and that no personal guarantees were required.
The Outcome
The facility was successfully arranged with a major bank. The syndicate acquired the warehouse portfolio with no directors guarantees, and all loan documentation was executed correctly on the first pass.
Non-Recourse
Structure
None
Guarantees
Lease-Doc
Facility Type
Major Bank
Lender
Client Testimonials
Hear from our satisfied clients
“Nick as a broker is part of my dream team for not only residential but especially commercial lending and has been nothing short of brilliant! Always calm under pressure and gets the job done. Very proactive and knowledge far superior to other brokers I've worked with. He's also got another option up his sleeve to ensure you achieve your goals. Absolutely no hesitation in recommending Nick for all things finance. Do yourself a favour and have a preliminary chat with Nick.”
Rachael
Commercial Lending
“Nick is an absolute gun at his job. I've been through many brokers over the years, and he is by far the best I've worked with. His knowledge in the commercial space is second to none, and the way he handles the process is completely seamless.”
P
Commercial Finance
“Nick is super professional and highly competent in his craft. He guided me with credible lending options and advice during my commercial property purchase journey. Highly recommended.”
ADS Rawal
Commercial Property
Ready to discuss your options? Get a response within 24 hours.
Start ApplicationFunding That Matches Your Cash Flow
A merchant cash advance provides upfront capital based on your future card sales. Instead of fixed monthly repayments, you repay through a small percentage of each day's card transactions.
This means when sales are strong, you pay back faster. During slower periods, repayments reduce automatically. It is funding that naturally fits your business rhythm.
Ideal for Card-Heavy Businesses
Merchant cash advances work best for businesses with significant card payment volume - retail stores, restaurants, cafes, salons, and service businesses. The more card transactions you process, the more you can potentially access.
Approval is primarily based on your transaction history rather than traditional credit criteria, making this option accessible to businesses that may not qualify for conventional loans.
Discuss Your Merchant Cash Advance Needs
Our team specializes in finding the right lending solution for your unique situation. Get expert advice today.
Frequently Asked Questions
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