Merchant cash advance in Bristol.
Bristol's independents punch above their weight, from Stokes Croft and Gloucester Road to the harbourside restaurants, the Wapping Wharf food units and the high streets of Clifton, Bedminster and Southville. These are card-heavy, owner-operator businesses, and a merchant cash advance (MCA) is built to fund them, an upfront advance repaid as a percentage of daily card sales. With a strong tourist mix in summer and a steady student and creative-industries population year round, MCA suits Bristol operators whose takings rise and fall through the week.
How a merchant cash advance works.
A merchant cash advance (MCA), also called a PDQ cash advance or card machine loan, gives your business an upfront lump sum repaid as a small percentage of your daily card takings. There is no fixed monthly repayment and no interest rate, just one fixed cost agreed upfront. MCA is commercial finance, business-to-business, and is unsecured against business assets. Most lenders ask for a personal guarantee from a director.
- Advance£10,000 to £1,000,000
- Fixed cost1.10 to 1.50
- Term3 to 18 months
- Daily repayment10% to 22% of card takings
- DecisionTypically 24 to 48 hours
Eligibility.
- Sole traders and UK limited companies.
- At least 6 months trading history.
- Active card machine (PDQ terminal) or online card processor.
- Typically 6 to 12 months of card transaction data shared with lenders.
Eligibility differs by lender. We compare a panel of UK MCA funders on your behalf to find the right fit.
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Up to 90% approval for qualifying businesses