Cash advances for UK car dealers.
For independent and franchised car dealers, new and used. Funded against your card and finance commission revenue. Built for dealers where each unit sold is a small card deposit and a large bank-funded balance.
A note on the lender panel for car dealers
Car dealer card mix is usually small (deposits, parts, service, valeting) relative to total revenue (HP/PCP funded vehicles). Specialist asset and stock funders are often the better fit for vehicle stock specifically. MCA works well for refit, marketing, working capital and bridging consumer-finance commission delays. We'll quote alongside stock funding so you can compare.
What MCA means for a car dealer.
Most car dealer card revenue is the £500-£2,500 deposit on each vehicle, plus aftersales (parts, service, valeting, MOT, accessories). The vehicle balance is HP/PCP-funded by the customer's finance house and lands in your bank as a single transfer per deal. Lenders assess MCA against the card-side revenue plus the bank-settled finance commission and customer balances. Important: even though you may broker consumer finance to your customers (under separate consumer credit permissions), the MCA you take from MBL is commercial finance to your business. Not consumer finance. Common uses: showroom refit, used-car stock (alongside stock funding), aftersales kit upgrade, marketing campaigns for plate-change months, signage, EV charger install, technician training.
Sound familiar?
Plate change marketing burst.
March and September are the two big consumer plate changes. £8k to £40k of advertising, finance offers, manufacturer co-op, and dressing for the showroom. Spend hits weeks before the deals close.
MCA pre-funds the marketing burst. Repayment ramps when the plate-change deal volume completes and finance commission lands. Sized so you're never stretched on payroll while waiting for commission.
Showroom refit to meet manufacturer CI standards.
Franchise CI standards updates: signage, lighting, customer area, brand wall. £40k to £200k. Most manufacturers contribute partial funding but require dealer match.
MCA funds the dealer's share. Quicker than a bank loan, no asset security taken. Particularly useful when the works need to coincide with a brand relaunch window.
Aftersales upgrade. Diagnostics, EV training, MOT bay.
EV diagnostic kit £15k to £60k. New 4-post lift £8k to £25k. Technician EV training £3k to £12k per tech. All needed to capture the EV servicing market that's growing every quarter.
MCA spreads the cost across the additional aftersales revenue it enables. Daily repayment % from card takings (servicing + parts) absorbs the cost as the new capacity comes online.
Here's what it actually costs.
An independent used-car dealer borrows £40,000 for showroom refit and a plate-change marketing burst. Monthly card takings (deposits + aftersales): £25,000. £40,000. Average monthly card takings £25,000. Fixed cost 1.2. 12% daily repayment % on card sales, total cost £8,000.
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.
£37,500 is the maximum advance for your card takings (150% of monthly card takings).
Illustrative only, not a quote.
- Advance£37,500
- vs card takings150%
- Fixed cost1.20
- Daily repayment£99
- Avg monthly£3,000
- Est. term15.0 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 numbersCar dealers, quick answers.
It can, but we want to be honest: a pure stock funder is usually the right tool for funding vehicle stock specifically. MCA works for refit, marketing, working capital and aftersales investment. Uses where the daily repayment % can be drawn from card and finance-commission revenue without straining cashflow.
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