An MCA is a Merchant Cash Advance and is not a loan
How it works:
You Get Cash Now: SAPI gives you a lump sum of money upfront—no waiting weeks for loan approvals.
You Repay from Future Sales: Instead of fixed monthly payments like a bank loan, you pay back the MCA with a percentage of your sales. When business is booming, you pay back faster; when things slow down, your payments go down too.
Flexible and Fast: SAPI isn’t about endless paperwork or credit checks. You get quick access to cash, often within a couple of days*.
Example: How It Works
Let’s say you need £20,000 to buy more inventory. Here’s a simple rundown:
Advance Amount: SAPI gives you £20,000 upfront.
MCA Cost: Instead of interest, SAPI charges a fixed amount for the cost of making the MCA available to you. In this example, let’s say the amount is £6,000
Repayment Amount: Add the advance (£20,000) to the MCA Cost Amount (£6,000) so you’ll repay £26,000 total.
Repayment Schedule: SAPI takes a percentage of your sales—let’s say 10% of your card sales—until the £26,000 is repaid.
Minimum Monthly Repayments: To ensure the advance is repaid within a reasonable time, SAPI requires that you meet a Minimum Monthly Collection amount. For instance, with an agreed maximum term of 12 months, the MMC here would be £2,166.66 per month. If your repayments for the month are greater than this then there will be no additional payments required. Otherwise we will request a payment of the shortfall.**
No fixed payments. Just a percentage of sales until the full amount is covered.
How The Repayments Work
You will advise your card terminal provider(s) to pay to a new account, opened with a partner of ours. Once funds are received into this account, the amount is automatically split, with the agreed Repayment percentage taken by us to repay your agreement and the remainder transferred to your bank account. In the above example, 10% of the revenue would be kept by SAPI and 90% transferred to your normal bank account. This process takes less than 5 minutes and ensures you continue to receive your revenue as quickly as your card processor normally pays to you. There would be no large weekly direct debits for you to manage. Just a percentage of sales until the full amount is covered***
MCA vs. Traditional Loan
Feature | SAPI’s MCA | Traditional Loan |
Approval Time | Quick, usually within a day | Weeks or even months |
Repayment | Percentage of sales | Fixed monthly payments |
Credit Score Needed | Lower requirements | Typically high requirements |
Collateral Required | No collateral needed | Often requires collateral |
Why Choose SAPI’s MCA?
Fast Cash: You get the funds when you need them—fast!*
Flexible Payments: Payment adjusts based on your sales, so you’re never stuck with a huge bill when business slows down**.
Simple Process: Minimal paperwork and easy to qualify compared to traditional loans.
Is an MCA Right for You?
If you’re looking for cash fast and don’t want the hassle of traditional loans, SAPI’s Merchant Cash Advance could be the perfect solution to fund your business growth!
In Summary:
Get money faster
Repay with future sales
Flexible and hassle-free
SAPI is here to make business funding easy so you can focus on what matters—growing your business.
* Offers of MCAs will be made within 24 hours of your application. Release of funds to your account depends on how quickly you and your card provider complete the required steps.
** The Minimum Monthly Collection (MMC) will be part of the offer you receive.
*** This is the preferred repayment method and is not yet available for all Card Payment Processors. If your Card Payment Processor cannot help with this repayment method then we can suggest an alternative Vendor that can provide this method or we can use a weekly repayment method relying on your OpenBanking data to calculate revenue.