Merchant Cash Advance in Colchester

Get immediate cash—often within 24 hours—by selling a portion of your future credit and debit card sales; repayments are automatically deducted as a percentage of daily or weekly transactions over flexible 3–18-month terms, so Colchester businesses can seize opportunities without waiting for invoices or adding long-term debt.

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What Is Merchant Cash Advance?

Merchant Cash Advance (MCA) is an alternative financing method that offers Colchester retailers a lump-sum payment upfront, usually approved within 24–48 hours, repaid via a fixed share of future card sales. With factor rates between 1.1 and 1.5, terms ranging from 3 to 18 months, and minimal documentation, MCAs provide quick capital for Colchester businesses with variable revenue, such as shops or restaurants.

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Why Use Merchant Cash Advance?

  • Fast Funding: MCAs can fund within 24–48 hours of approval, providing capital much quicker than conventional bank loans.
  • Flexible Requirements: Approval is based primarily on your card transaction history and sales, not just credit score or collateral, making MCAs accessible to startups or businesses with imperfect credit.
  • No Collateral Needed: Since repayment is tied to future sales, you typically don’t need to pledge real estate or equipment—some providers even waive personal guarantees.
  • Revenue-Linked Repayments: Payments adjust automatically with your sales volume—when sales dip, your payment amounts decrease, helping you ride seasonal slumps without defaulting.
  • Simple Application: The process usually requires minimal documentation—often just a few months of bank or processor statements—so you avoid the lengthy underwriting of traditional loans
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How Does Merchant Cash Advance Work?

  1. Apply & Qualify
    – Submit recent debit/credit card statements or POS reports to an MCA provider. Approval can take hours to a day, depending on documentation speed.
  2. Advance Funding
    – Upon approval, receive a lump-sum payment—typically 80–90% of your requested amount—in your business account, often within 24–48 hours.
  3. Automatic Repayments
    – The provider deducts a predetermined percentage (holdback rate) of your daily or weekly card sales—or fixed withdrawals from your bank account—until the advance plus fees is repaid in full.
  4. Facility Completion
    – Once you’ve remitted the agreed total (advance × factor rate), the MCA facility closes. You can apply for a new advance if needed, but be mindful of cumulative cost and cash-flow impact.

Types Of Merchant Cash Advance

Card Revenue Advance

A Card Revenue Advance provides Colchester businesses with a lump-sum payment in return for a percentage of their future credit and debit card sales, offering repayment tied directly to transactional revenue rather than fixed installments.

Short-Term Advance

A Short-Term Advance is a type of MCA structured over a brief term—typically between 3 and 18 months—allowing Colchester retailers to bridge urgent cash-flow gaps without committing to long-term debt obligations.

Flexible Repayments

Flexible Repayments adjust the provider’s deductions based on daily or weekly card sales volumes, so payments decrease during slower periods and ramp up when revenue increases, aligning costs with business performance

Merchant Cash Advance for Colchester Businesses

Colchester is Britain’s oldest recorded town and one of Essex’s most important economic centres, with a diverse commercial base spanning military, education, technology, and creative industries. The town’s continued expansion—including major housing developments at Tendring Colchester Borders Garden Community and the Northern Gateway—is driving sustained demand for construction, trades, and professional services well into 2025. The University of Essex fuels a vibrant start-up ecosystem, while Colchester’s garrison remains a significant economic anchor. Despite these strengths, local SMEs face familiar cash flow pressures: project-based payment cycles, seasonal trading patterns, and the upfront costs of bidding for larger contracts. A merchant cash advance gives Colchester businesses the financial agility to bridge these gaps, seize opportunities, and grow without the constraints of conventional bank lending.

Imagine a Colchester-based catering company winning the contract to supply a major event at the Northern Gateway leisure park. Ingredients, equipment hire, and temporary staff are needed immediately, but the event organiser pays 30 days after delivery. A merchant cash advance from Tando Capital provides the working capital required—often approved in under 48 hours. Unlike automated platforms that assess businesses through rigid algorithms, Tando takes a human-led approach: a real funding specialist reviews the contract, understands the payment terms, and structures funding around the business’s actual needs. For Colchester’s diverse and ambitious business community, this personal, responsive service means access to capital when it matters most—without the paperwork, delays, or one-size-fits-all terms of traditional finance.

Benefits of Merchant Cash Advance with Tando Capital

  • Fast Approval & Funding: 95 % of applicants receive funds within 48 hours.
  • Tailored to Your Business: No one-size-fits-all—our experts recommend the best solution (Factoring or Discounting) based on your industry, customer profile, and cash-flow needs.
  • Transparent Fees: Competitive rates with no hidden charges—what you see is what you pay.
  • Dedicated Account Manager: A real advisor on hand, not a bot, to guide you through setup, collections (if applicable), and ongoing support.
  • Local Specialists: We know the Colchester market, sector nuances, and can connect Colchester-based businesses with the right funders for their size and growth plans.

Why Choose Tando Capital?

  • Human-Led Process: Speak with experienced finance professionals from day one—no automated call trees.
  • Proven Track Record: 98% customer satisfaction, with 92% of clients reporting improved cash flow within their first month.
  • Full Compliance & Security: FCA-regulated partners, secure data handling, and clear agreements.
  • One-Stop Funding Hub: Beyond Trade Finance, we offer Invoice Finance, Business Loans, Construction Finance, Merchant Cash Advance, Property Finance, Payroll Finance, and more—ensuring all your funding needs are covered in one place.
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95
%
of approved applicants receive funding within 48 hours.
92
%
of clients report improved cash flow within the first 30 days.
98
%
customer satisfaction rating based on service and support.

Our Services

Tando Capital.
We give real conversations with real experts who care about your business.

Invoice Financing

Invoice financing lets you unlock cash tied up in unpaid invoices, giving your business faster access to working capital without waiting for customers to pay.

Business Loans

Access flexible funding to grow your business, manage expenses, or invest in new opportunities—with repayment options suited to your cash flow and goals.

Construction Finance

Tailored financial solutions specifically for construction companies to manage projects, procure materials, and ensure steady progress through every development phase.

Merchant Cash Advance

Get fast funding based on your future card sales, with repayments taken as a percentage of daily takings—ideal for businesses with fluctuating revenue.

Property Finance

Finance for property purchases, developments, or refurbishments—supporting commercial, residential, and investment projects with tailored lending options.

Payroll Finance

Ensure your team is paid on time, every time. Payroll finance bridges short-term cash flow gaps so you can cover wages even when clients pay late.

Trade Finance

Empower your supply chain and secure global growth with flexible, human-led funding solutions.

Business Funding Across Colchester & North East Essex

Secure your Merchant Cash Advance today

Merchant Cash Advance for all areas in the uk

FAQs

What types of financing does Tando Capital offer?

Tando Capital provides a range of tailored funding solutions to meet diverse business needs:

  • Business Loans: Flexible funding to grow your business, manage expenses, or invest in new opportunities, with repayment options suited to your cash flow.
  • Invoice Financing: Unlock cash tied up in unpaid invoices to maintain working capital without waiting for customers to pay.
  • Merchant Cash Advance: Receive fast funding based on your future card sales, with repayments taken as a percentage of daily takings—ideal for businesses with variable revenue.
  • Working Capital Solutions: Flexible financing designed to boost cash flow, helping you cover operational costs and seize new opportunities.
  • Payroll Finance: Bridge short-term cash flow gaps so you can cover wages even when clients pay late.
  • Property Finance: Funding for commercial, residential, or development projects, including purchases, refurbishments, and investments.

How quickly can I get funding through Tando Capital?

One of Tando Capital’s core priorities is speed. We offer:

  • Quick Approvals: Our streamlined process delivers funding decisions fast—often within three working days for eligible applicants.
  • Dedicated Advisor Support: As soon as you complete our short form, a specialist will be in touch within three working days to guide you through the next steps, ensuring minimal delays.

How is Tando Capital different from other finance providers?

Tando Capital stands out by prioritising human expertise over automated bots:

  • Real Conversations with Human Advisors: Every applicant speaks directly with an experienced finance specialist who understands the nuances of your business.
  • Tailored Funding Solutions: Instead of one-size-fits-all templates, we build a funding package around your specific goals, challenges, and cash-flow needs.
  • Transparent Process: From application to approval, we maintain clear communication—no hidden fees, no confusing fine print.

What criteria do I need to meet to qualify for funding?

While criteria vary by product, Tando Capital generally considers:

  • Business Credit Profile: A healthy or improving credit profile helps secure more favourable rates.
  • Revenue and Cash Flow: We assess your historical revenue, outstanding invoices, and overall cash-flow stability to tailor the right solution.
  • Business History: Typically, businesses in operation for at least six months with verifiable financials are preferred, though specific requirements depend on the financing product you choose.
  • Collateral (for Property Finance): For loans tied to property purchases or developments, acceptable collateral and valuation will be required.
    Your dedicated advisor will walk you through the exact requirements for your chosen product and help prepare the necessary documentation.

What is the application process like?

Our application process is designed to be quick and transparent:

  1. Consultation: Book a free call with one of our finance specialists to discuss your business needs, goals, and funding options.
  2. Tailored Assessment: Your dedicated advisor reviews your financials, explores suitable products, and outlines the best options for your unique situation.
  3. Personalised Offer: Once you choose your preferred solution, your advisor handles the details—keeping you informed and supported until funds are secured.
  4. Funding: After approval, funds are disbursed according to your needs and agreed-upon timeline.

What fees or interest rates can I expect?

Tando Capital is committed to full transparency—there are no hidden fees:

  • Competitive Rates: Interest rates and fees vary based on the product, your business’s risk profile, and market conditions.
  • No Surprises: Your dedicated advisor will clearly outline all applicable fees (origination, servicing, or early repayment) before you sign any agreement.
  • Repayment Flexibility: Many of our products offer flexible repayment schedules, such as daily automatic deductions for merchant cash advances or structured installments for business loans.
    If you have more specific questions about cost, simply get in touch via our short form or book a call, and we’ll provide a personalised breakdown.

Contact Us

Address

Jupiter Business Center,
Essex, Paycocke Rd,
Basildon, SS14 3HX

Phone

01268 399 032

Email

info@tandocapital.co.uk
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