Enquire now for Merchant Cash Advance

What is a Merchant Cash Advance?

A Merchant Cash Advance is a funding solution that provides quick access to cash, and then payments are made based on future card sales. It includes just one fixed cost, agreed upfront, so you know exactly how much you will pay. The balance is paid automatically as an agreed percentage of customer card transactions – meaning you only pay when your customers pay you.

You’ll need to operate your business in a way that allows a minimum monthly amount of 3% of the total amount owed to be repaid. This flexible solution takes away the stress of fixed monthly payments and allows you to focus on what really matters - your business. Our Merchant Cash Advance is provided by our referral partner, Liberis.

Business finance that flows with your business

Unlock cash flow

Release the potential of future card sales to invest in your business.

Pay through sales

Automatic payments mirror cash flow as a percentage of your card sales.

No hidden costs

The total cash advance to pay stays the same however long it takes you to pay.1

Ready to apply?

Ready to apply?

If you’re an existing Lloyds Bank Cardnet customer, funds could be in your account two working days after acceptance2.

This link will take you to the Liberis website*.

Enquire now

*By enquiring, you acknowledge and agree to be contacted by telephone and email, and for Lloyds Bank plc t/a Cardnet to share your information and data with Liberis for the purpose of assessing your eligibility for Merchant Cash Advance.

Pricing example

For illustrative purposes only.

Cash Advance amount - £10,000

Fixed Fee - £1,500 (if a 15% fee agreed)

Purchased amount - £11,500

Payment percentage - 20% of all card transactions

If on one day your transactions totalled £300, £60 would pay towards the advance for the day (20%) and £240 would be settled to you for that day’s trading. This is deducted automatically.


Why choose Merchant Cash Advance?

  • Business finance available from £1,000 to £500,000
  • One agreed cost, no hidden fees, no fixed monthly payments
  • Quick, easy application and approval process, with funds available in as little as two working days2

Is my business eligible?

To qualify for Merchant Cash Advance, you should:

  • have at least four months' card trading history
  • be an existing Lloyds Bank Cardnet customer
  • take a minimum of £1,000 in card payments a month

New to Cardnet?

New to Cardnet?

If you are new to Lloyds Bank Cardnet with at least four months' card trading history, please call us on 0330 134 7976. Lines are open 9am-5pm Monday – Friday.

Contact us

Frequently asked questions

  • Once Liberis has been in touch with you the following will happen;

    1. Liberis will agree on a percentage split that will be taken from your customer card payments processed. This will be taken from your daily batched card transactions and will go to Liberis to pay your advance, the remaining balance will go to you.
    2. Liberis will agree on a price with you, which is one fixed cost added to your advance amount, so you know exactly what you’ll be paying.
    3. Once agreed, Liberis will then process your application. During this process, Liberis will look at your business and conduct some checks, such as affordability, credit, and insolvency.
    4. Once approved, you will receive the funds to use as you wish for your business.
  • The amount Liberis can fund you will depend on your business. Liberis will look at your monthly card transactions and provide a funding amount for your business.

  • Yes. You can choose the amount of funding you would like, and the percentage of your customer card transactions you would like to pay towards the advance. This determines the funding fee and ultimately overall amount you will pay.

  • When you submit a full application, Liberis will use a number of sources of information to help understand your business. Liberis carry out both company and consumer credit bureau searches, which will leave a record of the search on both credit files, visible to other finance providers. Your credit score won’t be affected when applying with Liberis but taking out a cash advance could affect your credit score.

  • Merchant Cash Advance is an unsecured way of accessing finance and is not a loan. This means your home is not at risk. Liberis will ask you for Personal Guarantees if you are applying as a limited company or limited liability partnership.

  • Your payments to Liberis are linked to the way you are trading which means there is no set period to pay. The payments will mirror your cashflow, so the time taken depends on your business sales.

    After 14 days, the fixed, upfront funding fee will still apply if you pay early, but there will be no early payment fees.

Other borrowing options

If Merchant Cash Advance does not suit your financing needs, there are other Lloyds Banking Group business finance and lending options available. If you want to know more, please contact your bank representative to discuss.

View all borrowing

1For example; if you receive £11,000 anticipating to make payments over 8 months however it takes you 12 months to make payments, the total amount to pay is still £11,000 (subject to terms and conditions).

2As of June 2023, 90% of customers of successful applications received funding within two working days. Any preliminary approval from Liberis will be based on the information about your business that is available at the time. You will get a final decision from Liberis after submitting an actual application.

*Your credit score is not affected by applying for a Merchant Cash Advance (MCA) with Liberis. Taking out an MCA with Liberis may affect your credit score, and any decision to take out an MCA shall be solely at your own risk.

*You will be expected to operate your business in a way that ensures Liberis receives a minimum monthly amount of 3% of the total amount owed to Liberis.

This product is provided by Liberis Limited, a company in England and Wales with Company registration number 5654321 and whose registered office is at Liberis Ltd, Scale Space Building, 1st Floor, 58 Wood Lane, London, W12 7RZ. Liberis Limited will be delivering the Merchant Cash Advance products and services. Lloyds Bank plc t/a Cardnet will receive a commission if you decide to take out the product through Liberis. Merchant Cash Advance is not a Financial Conduct Authority (FCA) regulated product. Other options are available for business finance.

Nothing in this communication or any link to any other URL/Website or content of Liberis or other third party should be interpreted as, or constitutes, any Lloyds Bank plc t/a Cardnet endorsement or approval of Liberis or the Merchant Cash Advance products or services. Lloyds Bank plc t/a Cardnet and Liberis remain at all times independent parties, and no relationship of agent/principal, joint venture or analogous relationship exists between them.

All trademarks, service marks and trade names referred to are the property of their respective owners. Merchant Cash Advance is exclusively owned and operated by Liberis for which Lloyds Bank plc t/a Cardnet assumes no liability.

Important legal information

Cardnet® is a registered trademark of Lloyds Bank plc.

We may monitor or record calls to make sure we have carried out your instructions correctly and to help improve the quality of our service.  Please remember we cannot guarantee the security of messages sent by email.

Lloyds Bank plc and Bank of Scotland plc (members of Lloyds Banking Group) are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

Authorisation can be checked on the Financial Services Register at www.fca.org.uk.