Cash advances for UK camping wholesalers.
For outdoor goods wholesalers, camping equipment suppliers, and trade-counter operators. Funded against your card and account-pay takings. Built for businesses stocking up in February for the May-to-August retail surge.
What MCA means for a camping wholesaler.
Camping wholesale is one of the most seasonal trade businesses in the UK. February-April is when independent retailers buy stock for the May-August retail surge. The wholesaler typically pays manufacturers (often Asia-sourced) on terms ranging from 30 days to letters of credit, then sells onward on 30-60 day account terms. Card revenue at trade-counter level is meaningful but most volume is account-pay. Common uses: pre-season container payment, warehouse expansion, racking, picking equipment, B2B web platform development, sales rep team scaling, end-of-season clearance bridge.
Sound familiar?
Container deposit due, season orders not yet shipped.
30% deposit on Asia-sourced containers, £20k to £80k per container. Bank LC may cover the balance but the deposit hits cashflow now, three months before the goods arrive and four months before retailer customers pay.
MCA bridges the deposit-to-revenue gap. Sized off card and account revenue combined. Repayment scales as season trading kicks in and account customers pay.
Warehouse capacity bottleneck.
Pre-season inventory volumes are doubling but warehouse and racking can't keep up. £20k to £80k of new racking, picking, mezzanine flooring needed before the next season starts.
MCA funds the warehouse upgrade. Often combined with asset finance for forklifts and conveyor. We'll quote across the right structure.
B2B portal development to win bigger trade accounts.
Modern wholesale demands a real-time stock-and-order portal. £15k to £60k of dev plus integration to ERP. Pays back in retailer wallet share but eats cash now.
MCA funds the dev and rollout. Repaid through the trade-counter and account-pay flow that the new portal helps unlock. Daily repayment % flexes with seasonal card volume.
Here's what it actually costs.
A camping wholesaler borrows £50,000 for pre-season container deposits and warehouse racking expansion. Monthly card revenue (trade counter + small accounts) averages £35,000 across the year. £50,000. Average monthly card takings £35,000. Fixed cost 1.22. 12% daily repayment % on card sales, total cost £11,000.
These figures are illustrative. If a term loan or asset finance fits your situation better, we'll tell you.
Open the fixed cost calculator →Work out the real cost.
New businesses typically start at a higher daily % and a shorter term.
Illustrative only, not a quote.
- Advance£50,000
- vs card takings143%
- Fixed cost1.22
- Daily repayment£138
- Avg monthly£4,200
- Est. term14.5 months
Illustrative. The fixed cost is set on day one; daily repayment varies with takings. Term capped at 18 months.
Illustrative only, not a quote. Every figure here is subject to the funder. Funders advance anywhere from 100% up to 150% of monthly card takings, so 150% is not guaranteed, and the fixed cost is not guaranteed either. Your actual advance, fixed cost and terms depend on the funder and your business profile.
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Apply with these numbersCamping wholesalers, quick answers.
Yes if your card-plus-bank-settled mix is sized appropriately. Pure account-pay businesses with minimal card flow are usually a poor MCA fit. But most camping wholesalers have meaningful trade-counter card revenue. We'll size honestly against what you actually take on card.
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