Merchant Cash

A merchant cash advance is much more flexible than other forms of small business loans.

Merchant Cash Advance

A merchant cash advance is a way for a business to borrow a lump sum and pay it back over time using a percentage of future sales.

  • Loans from $5,000 to $150,000
  • Variable amount without security
  • No high credit score needed
  • Automatic repayments
  • Easier to Qualify
  • More suitable for retail and hospitality businesses that predominantly use Eftpos

Please fill out the contact form. One of our experienced finance brokers will get in touch with you to discuss your needs.


What is a merchant cash advance?

This type of small business loan is a fast and easy way to get a cash injection by applying for a lump sum to then be paid back. The repayments are calculated based on a percentage of the sales.

What is the main benefit of a merchant cash advance?

A merchant cash advance doesn’t require to secure the loan against an asset. No collateral means that the process to get the merchant cash advance approved is quick and easy. Furthermore, no high credit score is required.

(Totally free process – ask about our pre-approvals with no credit checks)
or Call us now at

1300 198 514

Merchant Cash Advance - Sure Capital

When considering a merchant cash advance, it is also important that borrowers understand the cons

A merchant cash advance is a more expensive solution compared to other small business loans available in the market. Check if your forecasted cash-flow will be enough to sustain the cost of this type of business loan.

Not suitable for business with a large number of cash payments: a merchant cash advance is ideal for business with a high number or credit and debit card payments.
Not a long term solution: most of the lenders offer a merchant cash advance for a maximum of 12 months.

Other benefits of a merchant cash advance?

Compared to other small business loans, a merchant cash advance follows a more straightforward application and approval process. The documentation required for the application is limited, and also a less weight is given to the credit score. The critical lending criteria for this type of loan is the business cash flow as the repayments are based on the monthly Eftpos transactions. In some cases, there is no need to present copies of financial statements, tax returns or other business documents.

  • Usually, security is not required: there is no collateral requirement because the loan is secured against future sales.
  • Limited business and personal liability: in the case of failure with repayments or extended repayments terms, usually the person or business assets are not at risk unless otherwise stated on the contract.
  • Automatic repayments: no need to make any manual payment as the repayments are taken directly from the Eftpos based on the monthly sales.
  • Quick and easy approval process: it takes a few days to get the approval as no collateral has to be provided. Little documentation to check if the business qualify can be submitted online. The assessment is done from monthly Eftpos machine takings (e.g. if turning over $50,000 Eftpos can lend up to 150% being $75,000 loan).
  • No fixed repayments: the amount of the repayment may vary based on the monthly cash-flow. Loan instalments are taken out as a set percentage from the Eftpos taking (e.g. agreed on 7% payment of $50,000, $3,500 will be debited monthly. If next month only $20,000 is generated through Eftpos then 7% will be $1,400 repayment for the month).
Merchant Cash Advance Australia - Sure Capital

What’s next? How to apply for a merchant cash advance?

Partnering with over 50+ business loan providers at Sure Capital, we unlock credit opportunities for your business. Our clients in 99% of the cases get the money in their bank account within 24 hours from the application.

Thanks to our industry knowledge, we guide you through the process to find the lender that can provide the type and size of business loan that you are looking for. Our lenders fund eligible small businesses with a merchant cash advance. Let us help you to find the one that suits best your needs. It all starts with an enquiry. Call us 1300 198 514 or click on “see if you qualify” and we call you back to see if you qualify for a merchant cash advance.

(Totally free process – ask about our pre-approvals with no credit checks)
or Call us now at

1300 198 514