Cash advances for UK courier companies.
For courier firms, same-day delivery operators, and multi-drop fleets. Funded against your card takings, platform settlements, and customer card payments. Built for operators running fleets against tight margins.
What MCA means for a courier company.
Courier and same-day delivery has mixed revenue patterns, platform-based (DPD Local, Shutl, direct Stripe/platform payments) tends to be card-paid; account-based B2B work tends to be BACS on terms. Consumer same-day is almost entirely card. MCA fits the card-paid portion. Typical uses: van fleet expansion, EV/hybrid vehicle investment, depot expansion, driver app or routing software upgrade, insurance deposits, peak season driver onboarding (Christmas, Black Friday).
Sound familiar?
Peak season driver and van surge.
Christmas, Black Friday, Amazon Prime Day, £15k to £50k of additional driver, van, and fuel cost to meet demand.
MCA covers the working capital. Peak card takings repay through the season. Classic courier seasonal cycle.
Fleet expansion, additional vans or EV conversion.
£20k to £45k per vehicle depending on spec. Multiple vehicles for route expansion.
Asset finance almost always cheaper for named vehicles. MCA for the associated working capital (insurance deposits, driver recruitment, fit-out). Compare both.
Routing software or driver-app platform upgrade.
Commercial routing system, driver apps, customer booking portal, £10k to £40k to modernise operations.
MCA funds the tech upgrade. Efficiency gains often pay the advance cost within the term; driver productivity lifts offset costs.
Here's what it actually costs.
A same-day courier borrows £25,000 for driver onboarding and routing software. Monthly card takings: £50,000 (Stripe, platform settlements, customer direct card). £25,000. Average monthly card takings £50,000. Fixed cost 1.26. 12% daily repayment % on card sales, total cost £6,500.
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£25,000
- vs card takings50%
- Fixed cost1.26
- Daily repayment£197
- Avg monthly£6,000
- Est. term5.3 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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£20,000 funded Q4 driver surge and routing software, repaid in 4 months.
Illustrative composite. 10-van same-day courier, £45k/mo card takings (Stripe + platform + direct card). MCA at 1.25 factor, 13% daily repayment. Additional 4 drivers onboarded October, routing software live November, peak Black Friday to Christmas drove 65% lift in card takings, advance fully repaid by end of January.
Illustrative composite scenarioCourier companies, quick answers.
Only card takings drive MCA. Account-based BACS work doesn't contribute. If 70%+ of revenue is BACS, MCA capacity will be limited, invoice finance against your outstanding receivables is likely the better product.
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