At HFA Bridging & Commercial, we speak to many business owners across Wigan and the wider North West who are exploring flexible ways to fund growth, manage cashflow, or smooth out seasonal dips in revenue. One product that often comes up is the Merchant Cash Advance (MCA). But a common question is: “Can I get a Merchant Cash Advance with no credit check?”
Here’s what you need to know.
Merchant Cash Advance and Credit Checks
The short answer: a Merchant Cash Advance with no credit check is very unlikely.
Most MCA providers in the UK will carry out at least a soft credit check on directors or major shareholders when you apply. The good news? A soft check does not affect your personal credit score, and it is not visible to other companies running searches on your profile.
If you’re worried about damaging your credit record, this type of check is generally nothing to be concerned about. Before accepting any offer, it’s worth confirming with the lender if a hard credit check will take place later in the process.
Can You Get a Merchant Cash Advance With Bad Credit?
Yes – even if you or other directors have poor personal credit histories, your business may still qualify.
MCA lenders focus on how your business performs today, rather than only looking at past credit issues. Key factors they consider include:
- Average monthly card sales
- How long your business has been trading
- Evidence of growth and stability
- Any County Court Judgments (CCJs)
- End-of-day bank balances
- The sector you operate in
This makes an MCA a viable option for businesses with weaker credit profiles but consistent card-based revenue.
Why Work With a Commercial Finance Broker in Wigan?
Trying to secure the right type of funding on your own can be daunting, especially if credit history is a concern. As specialist commercial finance brokers in Wigan, HFA Bridging & Commercial can:
- Identify which MCA lenders are most likely to approve your application.
- Help you compare terms, repayment structures, and overall costs.
- Explore alternative finance options if a Merchant Cash Advance isn’t the best fit.
- Save you time, stress, and potential declines by approaching the right lenders first.
Take the Next Step
At HFA Bridging & Commercial, we specialise in helping businesses across Wigan and the UK access tailored funding solutions — including Merchant Cash Advances.
If you’re worried about credit checks, or want expert guidance to secure the right facility for your business, get in touch with our team today. We’ll talk you through your options and help you secure the funding you need to keep moving forward.
