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
Merchant Cash Advance Examples
See what's possible with the right finance solution
*These are illustrative examples based on realistic Australian scenarios, not specific client cases.
Invoice Finance Fuels Growth
The Scenario
A labour hire company was winning large contracts but struggling to fund payroll while waiting 60 days for client payments.
The Challenge
The business was turning away new contracts because they could not fund the payroll gap. Traditional banks required property security.
The Solution
Invoice factoring was arranged providing 85% of invoice value within 24 hours. The facility grew automatically as the business grew.
The Outcome
The business doubled revenue within 12 months by accepting contracts previously beyond their cash flow capacity.
85%
Advance Rate
2x
Revenue Growth
24 hours
Funding Speed
Retail Store Expansion
The Scenario
A successful boutique retailer wanted to open a second location but needed $80,000 for fit-out and initial inventory.
The Challenge
The business was only 18 months old with limited assets for traditional secured lending. Speed was essential to secure the lease.
The Solution
A merchant cash advance was arranged based on strong card transaction volumes, with repayments automatically adjusted to daily sales.
The Outcome
The second store opened within 6 weeks and exceeded profit targets. Repayments flexed naturally with sales performance.
$80K
Advance
48 hours
Approval
Revenue-based
Repayment
Contractor Manages Project Cash Flow
The Scenario
An electrical contractor needed flexible access to working capital to manage cash flow across multiple commercial projects.
The Challenge
Payment terms on commercial projects varied from 30 to 90 days. The business needed to pay suppliers and subcontractors before receiving payment.
The Solution
A $200,000 business line of credit was established allowing the contractor to draw funds as needed and repay when project payments arrived.
The Outcome
The contractor now manages cash flow confidently, taking on larger projects and paying suppliers early to negotiate better rates.
$200K
Facility
On-demand
Access
Use-only
Interest
Client Testimonials
Hear from our satisfied clients
“Nick is always available to take your calls and provides knowledgeable guidance throughout the entire process.”
Terry M.
Refinancing
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Home Loan
“Nick was very thorough from start to end while maintaining quick responsiveness. Highly recommend.”
Nayer G.
Investment Property
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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.
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Frequently Asked Questions
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