Cash advances for UK hospitality suppliers.
For hospitality wholesalers. Drinks, glassware, smallwares, kitchen consumables. Funded against your card and account takings. Built for suppliers serving pubs, restaurants, and hotels through long invoice cycles.
What MCA means for a hospitality supplier.
Hospitality wholesalers supply pubs, restaurants, hotels, and event caterers with everything that isn't food or alcohol. Glassware, smallwares, table-top, packaging, cleaning, kitchen consumables. Customer base mirrors hospitality seasonality: peak orders ahead of Christmas, summer wedding season, festival and event windows. Card mix at counter typically 25-45%, balance on 30-60 day account terms. Common uses: pre-Christmas stock buy, branded glassware programmes for big customer wins, sample-room and trade-show stand, warehouse expansion, B2B portal, fleet refresh.
Sound familiar?
Pre-Christmas glassware and tabletop buy.
September-October is when hospitality buys for the Christmas trading window. £30k to £150k of stock to hold through November-December for delivery and counter sales. Manufacturer terms typically 30 days.
MCA bridges the pre-Christmas stock cycle. Repayment scales as Christmas trading kicks in across customer base and card volume peaks. Daily repayment % comfortably absorbed by the November-January spike.
Branded glassware for a major customer win.
Winning a 50-pub group with custom-branded glassware, £40k to £120k of upfront stock, manufacturer minimums, custom-print setup. Customer pays per-month over 12 months as they roll out.
MCA covers the stock outlay. Customer's monthly card and account payments feed back into your revenue, which the daily repayment % draws from. Tight match between expense and revenue cycles.
Trade-show stand and sample-room rebuild.
Casual Dining Show, Hotelympia, Restaurant Show, £20k to £60k for stand, samples, marketing collateral. Pays back in customer wins over 6-12 months.
MCA funds the show prep. Customer enquiries generated post-show convert to orders within 60-90 days, feeding revenue. Sized so the daily repayment % is comfortable through the conversion window.
Here's what it actually costs.
A hospitality smallwares supplier borrows £40,000 for pre-Christmas stock and a major-customer branded-glassware programme. Monthly card revenue (counter + small accounts): £28,000. £40,000. Average monthly card takings £28,000. Fixed cost 1.22. 12% daily repayment % on card sales, total cost £8,800.
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£40,000
- vs card takings143%
- Fixed cost1.22
- Daily repayment£110
- Avg monthly£3,360
- 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 numbersHospitality suppliers, quick answers.
Typical for hospitality wholesale. We'll size the MCA against actual card flow plus weight account-pay as supporting evidence. If card mix is below 20%, we'd usually combine MCA with invoice finance for the receivables side.
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