The target audience for Merchant Loan Advance is small to medium-sized businesses across various sectors in the United Kingdom that accept credit and debit card payments from their customers. Specifically, this includes businesses that are seeking quick, unsecured funding solutions, typically ranging from £5,000 to £500,000. These businesses are often in need of working capital for immediate operational needs, expansion, inventory purchases, or managing unexpected expenses. They are likely to be businesses that have a consistent volume of card transactions, as the repayment model is directly linked to these sales. The target audience excludes businesses that operate solely on cash transactions or do not have a robust card payment system in place. It also includes businesses that may not qualify for traditional bank loans due to their size, trading history, or credit profile, thus making alternative finance options more appealing.