Merchant Cash Advance for Bad Credit

If past credit problems are blocking traditional loans, a merchant cash advance can be one of the most accessible ways to raise funds — because approval leans on your card takings, not your credit score.

Why credit matters less

Repayments come straight from card sales as a percentage holdback, so the lender’s main question is "how much do you turn over on card?" rather than "what is your credit history?". Consistent takings can outweigh an old default or CCJ.

What you will still need

• A merchant card terminal or online card payments with a track record (often 3–6 months).
• A minimum monthly card turnover (varies by provider).
• Card processing statements to verify volume.

The trade-off

Easier approval means you should pay close attention to cost. Check the factor rate and total repayable using our MCA rates guide, and borrow an amount your takings can comfortably absorb.

Use it to rebuild

Clearing an advance on schedule helps demonstrate reliability, gradually opening access to cheaper finance over time.

This article is general information, not financial advice. Eligibility, rates and terms vary by lender and your circumstances. The Loans Hub is a finance broker, not a lender.