Merchant Cash Advance to Support Rapid Business Growth

A landscaping business on the brink of major growth needed urgent capital to take on a large new contract. Although the client had already explored traditional business loan options with other brokers, they still faced a funding shortfall.

Clifton Private Finance identified and secured a merchant cash advance solution based on future card payments — giving the business the breathing room it needed to scale confidently.

The Scenario

Our client had built a steady and reputable landscaping business, typically operating with just himself and one additional team member.

That changed when he landed a significant commercial contract — a project large enough to double the size of his business. It was a game-changing opportunity, but it came with immediate challenges. To deliver the job properly, he needed to bring on extra labour up front. The problem? He wouldn’t be paid until the job was completed.

He’d already spoken to another brokerage and had offers for a £30,000 business loan on the table. But that still left him short of the £60,000 total he needed. Worse, multiple lenders had already declined applications for the full amount, citing limited information and affordability concerns.

At this point, the client had been told there were no more options.

The Solution

The client came to Clifton Private Finance for a second opinion and was introduced to one of our expert finance brokers, who took the time to understand the business, the contract, and how the funding would be used.

Instead of just asking for documents, we looked deeper into the business’s trading activity and noticed something the other brokerage hadn’t: a consistent stream of Stripe card payments.

That opened the door to an alternative form of funding — a merchant cash advance. Within two weeks, and despite the complications of an existing broker’s involvement, we secured £27,500 against those future card payments.

Several lenders were considered for comparison to ensure the best structure and repayment terms were achieved.

The Outcome

The merchant cash advance gave the client immediate access to the working capital needed to bring in extra hands, allowing him to start the large contract on time, without cutting corners or overextending himself.

It’s likely he wouldn’t have been offered this solution elsewhere. With so many traditional lenders already ruled out, and other brokers focusing exclusively on loans, the MCA provided a vital funding lifeline.

The client particularly appreciated that we didn't just chase paperwork — we listened. We looked at the bigger picture, understood his business, and delivered a creative solution that allowed him to take on more work and grow.

By thinking outside the box, Clifton Private Finance helped secure not just funding — but the future of a growing business.

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