MO Utilities

Unsecured Financial Solutions

Fast, Flexible Funding
to Fuel Your Growth

Unlock between Ā£5,000 and Ā£1,000,000 with a Merchant Cash Advance. Repay simply and flexibly through a small percentage of your daily card takings—no hidden fees, no strict monthly demands.

Up to £1 Million 24hr Fast Funding 90% Approval Rate No Strict Credit Checks
What is a Merchant Cash Advance?

The smart alternative to traditional bank loans

A Merchant Cash Advance (MCA) is an unsecured cash injection for your business. Rather than dealing with complex bank loan applications and rigid monthly repayment schedules, an MCA provides you with funds based directly on your average monthly card sales.

Pay As You Earn: You repay the advance automatically through a small, pre-agreed percentage of your daily customer card payments.

  • Good month?

    You pay off the advance quicker.

  • Quiet month?

    You pay less. Your cash flow is never strained.

Business Growth Card Processing

Why choose a Merchant Cash Advance?

Unlike restrictive traditional finance, our flexible funding is built to empower your business, not burden it.

No Fixed Repayment Deadlines

There is no strict deadline or time limit to repay the advance. Because payments are linked to card sales, the loan naturally adjusts to the pace of your business.

100% Transparent Costs

You agree on one fixed fee upfront. There are zero hidden costs, no setup fees, and absolutely no penalties for paying off the advance early.

Incredibly High Approval

We base approval on your recent card machine turnover, not a stringent credit score. If your business regularly takes card payments, you are highly likely to be accepted.

How could an injection of cash transform your business?

Refurbishments
Buying Stock
New Equipment
Cash Flow Support

The choice is entirely yours. Once the funds are in your account, you dictate how to use them to grow your business.

The Process

Securing funds is as easy as 1-2-3

1

Apply Online

Complete a simple, 5-minute online application. Getting a quote is completely free and won’t affect your credit rating.

2

Get Approved

We quickly review your application based on your monthly card sales. Expect an answer in hours, not weeks.

3

Receive Funds

Once approved, the funds are deposited directly into your business bank account, usually within 24 to 48 hours.

4

Repay Seamlessly

A small, agreed percentage is automatically deducted from your daily card sales until the balance is cleared.

Frequently Asked Questions

To be eligible, your business must process at least £2,500 per month through a card machine, and you must have been trading for a minimum of 4 to 6 months. If you meet these simple criteria, your chances of approval are very high.
No. Getting a quote and checking your eligibility will not leave a hard footprint on your credit file.
Funding typically ranges from £5,000 up to £1,000,000. As a general rule, you can borrow roughly the equivalent of your average monthly card turnover (up to 125% in some cases).
You keep 100% of your cash sales. The repayment is only taken as a percentage of your card machine transactions.

Let's grow your business today

Don't let a lack of capital hold you back. Apply today for a Merchant Cash Advance and receive your funds in as little as 24 hours.