Cash advances for UK pubs.
For pubs, bars, and tap rooms. Funded against your card takings, repaid as you trade. Built for landlords who know what a quiet Tuesday looks like.
What MCA means for a pub.
You take card payments at the bar every night. Your weekend takings dwarf your weekday takings. You know exactly when the cellar needs a refresh, when the beer garden needs investing in, when Christmas stock needs ordering. A merchant cash advance gives you the money for those moments now and takes a small percentage of card sales until it's repaid. Quiet January? You pay back less. Busy summer? You pay back faster. The mechanic moves with your trade, which is why hospitality is where MCA fits best.
Sound familiar?
Brewery's calling.
You owe the brewery £6,000 and they want it before the next delivery, but takings have been soft post-Christmas.
An MCA gives you the £6k today and takes a percentage of card sales until it's paid back. No fixed monthly amount you have to find when January's quiet.
The garden needs sorting before summer.
New furniture, a proper canopy, maybe heaters, £12,000 of capital you don't have right now but will pay back through better summer trading.
MCA against expected summer card takings. Repays faster when summer is busy, slower if the weather doesn't cooperate.
Cellar kit's on its last legs.
Beer line cleaner is failing, glass washer is going, cellar cooler is making noises. Replacement quotes around £8,000.
MCA covers the kit replacement now. Asset finance might also fit here, Flo can compare both for you.
Here's what it actually costs.
A community pub borrows £10,000 to redo the cellar before summer. Average monthly card takings: £18,000. £10,000. Average monthly card takings £18,000. Fixed cost 1.28. 12% daily repayment % on card sales, total cost £2,800.
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£10,000
- vs card takings56%
- Fixed cost1.28
- Daily repayment£71
- Avg monthly£2,160
- Est. term5.9 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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£15,000 advance funded a beer garden refit ahead of summer.
Independent freehouse, takings of £22k/mo on cards. Took an MCA at 1.26 fixed cost, 12% daily repayment, repaid in just over 5 months. Beer garden generated 30% of summer trade, the funding paid for itself within the same season.
Read full case study →Pubs & bars, quick answers.
Brewery loans are a separate facility. An MCA from a different lender is independent. Some MCA lenders will ask if you have brewery debt, we'll guide you through how to present it without it hurting your application.
Funding options for pubs & bars
Pubs and bars run on card payments, weekends and Fridays especially. A merchant cash advance (MCA), also called a PDQ cash advance or card machine loan, lets you turn those takings into working capital. Repayments come as a share of daily card sales, so a quieter Monday means a lighter repayment. Advances from £10,000 to £1,000,000. See PDQ cash advance →
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