Cash advances for UK convenience stores.
Funded against your card takings, high footfall, small ticket, steady volume. Built for independent operators who know what Monday morning looks like.
What MCA means for a convenience store.
Convenience is the cleanest possible MCA fit in terms of card rhythm. High transaction count, consistent daily volume, small ticket size averaging £4 to £15, card penetration close to 80% and rising as cash declines. Whether you're a single site or running five shops, your card data tells a consistent story a lender can underwrite quickly. Common uses: stock buy for holiday peaks, EPOS upgrades, chiller replacement, shopfront refresh, adding lottery or Post Office, expanding into food-to-go, new site acquisition top-up.
Sound familiar?
Stock buy for Christmas, Easter, or summer BBQ season.
Alcohol, confectionery, greeting cards, soft drinks, seasonal lines, £8k to £25k of stock paid for on delivery before the takings come in.
MCA bridges the buy-to-sell gap. Peak trading absorbs the repayment fast because card volume spikes when the season hits.
Chiller or freezer is failing and losing stock.
Commercial chiller replacement £3k to £8k, full freezer line £8k to £20k. Every day it's broken you lose perishable stock.
MCA in days rather than weeks. Cold chain restored before the next dairy delivery. Asset finance also worth comparing for cost, we'll quote both.
EPOS upgrade or card payment system change.
Modern EPOS with stock management, staff tracking, pricing integration, £4k to £12k fitted. Sometimes tied to a payment processor switch with fee savings.
MCA funds the upgrade. Fee savings from better card rates offset some of the cost. Repayment comes from ongoing takings with no meaningful margin impact.
Here's what it actually costs.
An independent convenience store borrows £10,000 for Christmas stock and a new chiller. Monthly card takings: £22,000. £10,000. Average monthly card takings £22,000. Fixed cost 1.26. 12% daily repayment % on card sales, total cost £2,600.
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£10,000
- vs card takings45%
- Fixed cost1.26
- Daily repayment£87
- Avg monthly£2,640
- Est. term4.8 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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£8,000 funded Christmas stock and a replacement chiller, repaid by February.
Illustrative composite. Single-site convenience, £18k/mo card takings. MCA at 1.25 factor, 13% daily repayment. Stock ordered October, chiller replaced in days, peak Christmas trading ran 15% above prior year on better-stocked shelves. Advance repaid in under 4 months.
Illustrative composite scenarioConvenience stores, quick answers.
MCA runs off card takings only. If 30-40% of revenue is cash, your MCA capacity is based on the 60-70% that's card. Still workable, most convenience store MCAs fit well within card-only capacity.
Funding options for convenience stores
Convenience stores take hundreds of small card transactions every day. A merchant cash advance, or MCA (also known as a PDQ cash advance or card machine loan) uses that steady card flow to fund stock, fit-out, or working capital. Repaid as a percentage of daily card sales. Advances from £10,000 to £1,000,000. See PDQ cash advance →
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