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24-Hour Decisions
Initial decisions within 24 hours — no lengthy forms, no complex underwriting, no unnecessary delays.
Fast Business Funding, On Your Terms
Flexible merchant cash advances tied to your card revenue, not rigid monthly payments.
Overview
MCA Loans — How Celica Helps
Merchant Cash Advances give UK businesses fast access to working capital — with repayments that flex with your revenue. When sales are strong you repay more; during quieter periods you repay less. Business finance built around how businesses actually work.
Celica connects you with a curated panel of UK MCA providers offering competitive factor rates, same-day decisions, and minimal paperwork. Whether bridging a cash-flow gap, investing in stock, or expanding your operation, our advisors match you with funding that fits — typically within 24 to 48 hours.
"Celica has become a trusted bridge between UK merchants and the fast, flexible capital they need to grow on their own terms."
Min. Advance£5,000
Max. Advance£500,000+
Decision24–72 hours
Repayment% of card revenue
Credit CheckSoft search only
Contract3–18 months
Get Free Consultation →What's Included
Everything you receive when you use Celica for MCA Loans.
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Flexible Repayments
Repayments scale automatically with your card sales. Slow month? Pay less. Busy season? Pay more.
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Minimal Paperwork
Typically just 3–6 months of merchant statements and basic business details to get started.
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Fully Unsecured
No property or personal assets required as collateral. Your business record speaks for itself.
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Unrestricted Use
Use funds for stock, equipment, marketing, renovation, payroll — whatever your business needs most.
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Second Advances
Have an existing advance? Top-up facilities are often available alongside your current arrangement.
The Process
How It Works
A clear, transparent process from first enquiry to completion.
1
Quick Enquiry
Fill in our short form or call us. We gather the essentials about your business and funding requirement.
2
Lender Matching
Our advisors compare your profile across our full MCA panel and approach the best-fit lenders for you.
3
Offer in 24 Hours
Receive your tailored offer with clear terms, no jargon, and absolutely no obligation to proceed.
4
Capital Released
Accept your offer and funds land in your business account, typically within 48 hours of signing.
FAQ
Frequently Asked Questions
How is an MCA different from a business loan?▼
Unlike a fixed loan with set monthly repayments, an MCA is repaid as a percentage of your daily card sales. There is no fixed term — it concludes when the advance plus factor is fully repaid.
How much could I access?▼
Most businesses can access between £5,000 and £500,000+ depending on average monthly card turnover. We provide a realistic eligibility assessment during your free consultation.
Does applying affect my credit score?▼
Our initial assessment uses a soft search only — no impact on your credit file. Any hard search requirement will always be discussed with you first.
How fast are funds released?▼
Once approved and documentation received, funds are typically in your account within 24–48 hours of acceptance.
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Get Your Free MCA Loans Consultation
No obligation. No jargon. Just clear, expert guidance matched to your situation.
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