Merchant cash advance

An advance linked to your card sales

Explore funding collected from a share of future card sales. Look at what the business takes in on quiet weeks as well as busy ones.

Apply now

Receive funds up front, with collections tied to sales

The agreement sets the share of future card sales collected and how often it’s taken. That can mean the amount collected changes as sales rise or fall.

Compare the amount you receive with the total due, including fees. Check for minimum collections and what happens if trading slows.

The collection share and timing are set in the advance agreement.

Where card turnover can make a difference

Stock up before a seasonal rush

A retailer needs to order inventory before its busiest weeks. It can compare collections against past card sales, including the weeks after the rush.

Buy supplies ahead of a busy weekend

A café pays suppliers before sales come in. Its daily card takings show how much room there may be for collections after wages and rent.

If you know the cost up front and prefer scheduled repayments, compare the advance with a small business loan.

Small business loan

What to prepare

For the online request, have the funding amount and purpose, your business name and state or territory, and contact details ready. You can add your ABN if you have it.

Recent card takings
Have typical sales and quieter periods to hand. The request lets you add an approximate monthly card sales band.
The expense and when it’s due
Work out how much you need and what cash the business has to keep for its other bills.

Frequently asked questions

Which sales count towards collections?

Check which card sales, terminals and payment processors the agreement covers. Confirm how collections would work with the way you take payments today.

Can I settle an advance early?

Read the settlement terms. Check how the remaining amount and any fees are worked out if you settle before collections are complete.

Get started

Start your funding request

Enter the amount and purpose, then review your details before you submit. You’ll find the request and reference in your Revy account.