Fast, Flexible Funding for Your Business
SAPI’s Merchant Cash Advance (MCA) is not a loan—it’s a smarter way to access capital. Instead of fixed payments and high-interest debt, an MCA provides an advance on future card sales, offering flexible repayments. You pay more when business is booming and less when it’s not—no rigid terms, no hassle.
Why Choose MCA
Fast & Simple Funding
Get approved in as little as 24 hours—no more waiting weeks for loan approvals.
Flexible Repayments
Pay more when business is thriving, less when it’s quiet—repayments adjust with your daily sales.
Easy Qualification
Approval is based on your business’s revenue, not its credit score, making it easier to access funds.
Hassle-Free Process
Skip lengthy credit checks, complete minimal paperwork, and avoid the need for collateral.
MCA vs. Traditional Loans
Feature | SAPI’s MCA | Traditional Loan |
Approval Time | Fast—typically within a day | Can take weeks or months |
Repayment | Percentage of daily sales | Fixed monthly payments |
Credit Score | Lower requirements | Usually high requirements |
Collateral | Not required | Often required |
How MCA Works
We provide your business with a lump sum of cash in exchange for a small percentage of your future card sales. Repayments are automatically deducted daily or weekly, based on your sales, until the advance is fully repaid.
Let’s say you need £20,000 to restock inventory:
Advance Amount: SAPI provides £20,000 upfront.
MCA Cost: A fixed fee of £6,000.
Total Repayment: £20,000 (advance) + £6,000 (cost) = £26,000.
Repayment Structure: A small percentage (e.g. 10%) of your daily card sales until the total amount is repaid.
Seamless Repayments
Payments are automatically deducted based on your daily revenue.
The rest of your sales go directly to your bank account.
No large lump-sum repayments—just smooth, automatic deductions.
✨ Note: MCA approvals happen within 24 hours, and funds are released as soon as you and your card provider complete the necessary steps.
Get Started
Begin your application today, check your eligibility, and take the first step towards securing the funding your business needs to grow.