Cash advances for UK garden trade wholesalers.
For horticultural wholesalers, plant nursery suppliers, and landscape trade counters. Funded against your card takings. Built for operators where January's stock buy has to last until October's invoice settles.
A note on the lender panel for horticultural wholesale
Horticultural wholesale combines extreme seasonality with weather-dependent demand. Lender appetite is real but the panel is narrower than general trade wholesale. We typically need 2 full seasons of card data so the lender can see the cycle.
What MCA means for a garden trade wholesaler.
Garden trade wholesale supplies independent garden centres, landscape contractors, nurseries, and online retailers. The cycle is brutal: stock and grow January-March (cost), sell-through April-July (revenue), wind down August-October, dormant November-December. Card mix at counter and small-account level is typically 25-40%; bulk goes through 30-60 day accounts. Common uses: January propagation and plug stock, glasshouse maintenance, vehicle fleet refresh, packaging and distribution kit, online B2B portal, end-of-season cashflow bridge.
Sound familiar?
January plug and propagation stock.
£25k to £120k of plug plants, seed, plug-trays, growing media. All due in the depths of winter when no revenue is coming in. The grow-on cycle takes 8-16 weeks before saleable.
MCA pre-funds the January grow buy. Repayment scales as April-July sales kick in. Sized so the seasonal ramp comfortably services the daily repayment %.
Glasshouse heating and ventilation maintenance.
Glasshouse boilers, automated venting, blackout systems, £15k to £60k of works needed in autumn before the propagation season. Failure mid-cycle loses entire crop batches.
MCA funds the maintenance. Asset finance for the heating kit specifically is often cheaper. We'll quote both. MCA wins where you want to combine kit + works + working capital in one facility.
End-of-season cashflow bridge.
August onwards, trade slows but fixed costs and overwintering costs continue. Some receivables run late as garden-centre customers struggle through their own quiet season.
Short-term MCA bridges October to February. Repaid out of the following spring's trade flow. Sized conservatively so the spring ramp easily services repayment.
Here's what it actually costs.
A horticultural trade wholesaler borrows £45,000 for January propagation stock and glasshouse boiler refit. Monthly card revenue averages £20,000 across the year (with spring peaks of £55k and winter troughs of £3k). £45,000. Average monthly card takings £20,000. Fixed cost 1.26. 11% daily repayment % on card sales, total cost £11,700.
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.
£30,000 is the maximum advance for your card takings (150% of monthly card takings).
Illustrative only, not a quote.
- Advance£30,000
- vs card takings150%
- Fixed cost1.26
- Daily repayment£72
- Avg monthly£2,200
- Est. term17.2 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 numbersGarden trade wholesalers, quick answers.
Specialist seasonal lenders are familiar with horticulture. They'll structure the daily % to draw heavily April-July and lightly November-February. We size the advance so the spring ramp comfortably handles the repayment without stressing winter cash.
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