Cash advances for UK hotels.
For hotels, B&Bs, and guest houses. Funded against your card takings, rooms, food and beverage, events, and online bookings combined. For operators who know summer pays for the shoulders.
What MCA means for a hotel or B&B.
Hotel card volume comes from multiple streams, room payments (mostly card, often pre-authorised), food and beverage (card-heavy), events and weddings (mixed card and bank transfer), plus deposits and ancillaries. Booking.com, Expedia, Airbnb payments settle through card rails too. The seasonal shape is sharp in most UK hotels, peak summer, sharp shoulders, real softness in January and February, small spikes at Christmas. An MCA works well because repayment adjusts to the seasonal rhythm. Bedroom refurbs, kitchen replacements, a new event space, marketing the wedding venue, a rebrand, all classic MCA uses for hospitality property.
Sound familiar?
Bedrooms need a refurb before summer booking season.
12 to 20 rooms at £4k to £8k each refresh. Done in the shoulder season so the rooms are ready when summer rates kick in. £80k to £150k realistic spend.
MCA in February, refit through March and April, repayment accelerates through peak summer. Rooms sell at a higher rate once refurbished.
You want to launch a wedding venue offering.
Licensing, event coordinator, marketing, first wedding fair stand, showroom dressing, £25k to £60k of up-front spend to enter the market.
MCA funds the launch. First wedding bookings settle through card; those takings feed the repayment. Self-correcting if bookings underperform.
OTA commissions are eating your margin and you want to push direct bookings.
Website rebuild, booking engine, direct marketing, loyalty programme, £15k to £40k of investment with a clear ROI on reduced OTA commission.
MCA gets the direct-booking infrastructure live. Every direct booking saves 15-20% commission, the savings accumulate faster than the advance costs.
Here's what it actually costs.
A 14-room independent hotel borrows £60,000 to refurbish six bedrooms and refresh the bar area before summer. Monthly card takings: £85,000. £60,000. Average monthly card takings £85,000. Fixed cost 1.23. 10% daily repayment % on card sales, total cost £13,800.
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£60,000
- vs card takings71%
- Fixed cost1.23
- Daily repayment£279
- Avg monthly£8,500
- Est. term8.7 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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£45,000 funded an eight-bedroom refurb between February and April, repaid through peak summer.
Illustrative composite. Family-run 16-room hotel, £95k/mo peak summer takings, £45k/mo winter. MCA at 1.22 factor, 11% daily repayment. Rooms refurbished in shoulder season. Peak summer room rate £25 higher per night post-refurb. Advance repaid by mid-September before winter slowdown.
Illustrative composite scenarioHotels & B&Bs, quick answers.
Yes. OTA settlements run through card rails and count towards your trading volume. Some lenders prefer a mix of OTA and direct card takings; we'll match you to one comfortable with your booking channel split.
Funding options for hotels & b&bs
Hotels and B&Bs take almost every booking by card, OTA settlement, direct site payment, and on-site terminals. A merchant cash advance (MCA), also called a PDQ cash advance or card machine loan, uses that card revenue to fund refurb, marketing, or working capital. Repayments flex with daily card takings. Advances from £10,000 to £1,000,000. See PDQ cash advance →
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