Cash advances for UK kennels and catteries.
For pet boarding kennels, catteries, and dog day-care operators. Funded against your card takings. Built for businesses where Christmas, Easter, and August school holidays do most of the year's trading.
What MCA means for a kennel or cattery.
Pet boarding revenue is intensely seasonal, Christmas, Easter, summer school holidays do most of the year's trading. Almost all revenue is card-paid (booking deposit + balance) at drop-off and pickup. Daycare adds steady weekday revenue for kennels in commuter areas. Lenders see the card mix as clean and the demand as recession-resilient. Common uses: pen or kennel block extension, exercise yard upgrade, hydrotherapy or grooming room build-out, isolation suite (welfare licence requirement), CCTV and access control, vehicle for collection service, marketing for daycare growth.
Sound familiar?
Adding a new kennel block to take more Christmas/summer bookings.
Modern kennel block (10-15 pens) £40k to £120k including drainage, heating, indoor/outdoor runs. Demand exists year-round but capacity is the bottleneck.
MCA funds the build. Repaid through the additional booking revenue the new block generates. Often combined with construction-phase term loan for the build itself plus MCA for fit-out and working capital.
Welfare licence requirements force isolation suite build-out.
Local authority licensing increasingly requires dedicated isolation facilities for incoming animals. £15k to £50k of works, hard deadlines.
MCA funds the works fast. Repayment paced through ongoing booking flow. Welfare licence retention is non-negotiable, MCA gets you compliant before the next inspection.
Diversification into daycare to smooth the seasonality.
Daycare needs different kit (separate exercise yards, transport vehicle, smaller pens) and marketing. £20k to £60k of capex plus £5k to £15k of customer acquisition marketing.
MCA funds the daycare launch. Daycare revenue then smooths the year-round card takings, which makes the daily repayment % comfortable even outside peak boarding seasons.
Here's what it actually costs.
A 20-pen kennels and cattery borrows £35,000 for new exercise yard, isolation suite and daycare launch. Monthly card takings averaged across the year: £18,000 (with peaks of £40k around Christmas/summer holidays). £35,000. Average monthly card takings £18,000. Fixed cost 1.24. 11% daily repayment % on card sales, total cost £8,400.
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.
£27,000 is the maximum advance for your card takings (150% of monthly card takings).
Illustrative only, not a quote.
- Advance£27,000
- vs card takings150%
- Fixed cost1.24
- Daily repayment£65
- Avg monthly£1,980
- Est. term16.9 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 numbersKennels & catteries, quick answers.
Specialist lenders structure for the seasonality. Daily % draws heavily during peak weeks and lightly off-peak. We size the advance against full-year revenue so peak periods alone don't have to clear the balance.
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