How Much Business Funding Can I Get? (UK 2026)
Quick Answer: Most UK businesses can access £5,000 to £500,000 through Merchant Cash Advance, based on 1-2x their average monthly card sales. Example: £30,000/month in card payments = £30,000-£60,000 funding available. Invoice-based businesses can access up to 90% of outstanding invoice value.
Funding Amount by Business Type
Retail & Hospitality (Card Sales Based)
| Monthly Card Sales | Funding Available |
|---|---|
| £5,000 | £5,000 - £10,000 |
| £10,000 | £10,000 - £20,000 |
| £30,000 | £30,000 - £60,000 |
| £50,000 | £50,000 - £100,000 |
| £100,000+ | £100,000 - £500,000 |
B2B Businesses (Invoice Based)
- Outstanding Invoices £50k: Get £40k-£45k (80-90%)
- Outstanding Invoices £200k: Get £160k-£180k
- Outstanding Invoices £1M+: Get £800k-£900k
Factors That Increase Your Funding Amount
- Longer Trading History: 2+ years = higher multiples (1.5-2x vs 1-1.2x)
- Growing Sales: Month-on-month growth = confidence boost
- Lower Existing Debt: Less obligations = more capacity
- Profitable Business: Positive cash flow = higher amounts
- Industry: Restaurants, retail score higher than high-risk industries
Use Our Calculator
Get an instant estimate of how much funding you qualify for based on your actual business data.
Calculate Your Exact Funding Amount
Free instant calculation based on your monthly sales
Use Calculator Get Formal QuoteHow much business funding can I get?
Merchant Cash Advance: Typically 1-2x your average monthly card sales. If you process £30,000/month in card payments, you could borrow £30,000-£60,000. Invoice Finance: 80-90% of outstanding invoices. Bank loans: Varies by credit and collateral.
What determines how much I can borrow?
For MCA: Your monthly card sales volume and consistency. For Invoice Finance: Value of unpaid invoices and customer creditworthiness. For bank loans: Your credit score, trading history, profitability, and available collateral.