Cash advances for UK takeaways.
For takeaways, delivery kitchens, and dark-kitchen operators. Fund the gap between your service and Deliveroo's payout. Built for kitchens who know what £4k of weekly takings stuck in transit feels like.
What MCA means for a takeaway.
Your card and digital payment volume is high, Deliveroo, Just Eat, Uber Eats, plus walk-in card. The frustration is the gap: most platforms hold takings for 7+ days before paying out. That's a real cash flow squeeze when suppliers want paying weekly. An MCA gives you working capital today and repays through your ongoing card and digital takings, including platform takings that lenders increasingly accept.
Sound familiar?
Deliveroo holds your money for a week.
You're trading well but the weekly payout cycle means £3k to £6k is constantly stuck in the platform. Suppliers want paying now.
MCA bridges the cash flow gap. Repayment comes off card takings (including platform settlements as they hit) so it's transparent and self-correcting.
Kitchen kit replacement is overdue.
Range, fryers, prep tables, replacements you've been deferring. £8k to £15k realistic.
MCA covers it now. Fast service from new kit means more orders; more orders means more takings; faster repayment.
You want to add a second kitchen or commissary.
Demand outstrips your single kitchen. A second site or commissary kitchen costs £20k+ to set up.
MCA up to your typical monthly takings cap, plus a follow-up top-up advance once you've established repayment track record on the first.
Here's what it actually costs.
A takeaway borrows £12,000 to replace kitchen kit and add a second prep station. Monthly card + delivery takings: £24,000. £12,000. Average monthly card takings £24,000. Fixed cost 1.27. 14% daily repayment % on card sales, total cost £3,240.
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£12,000
- vs card takings50%
- Fixed cost1.27
- Daily repayment£110
- Avg monthly£3,360
- Est. term4.5 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.
Works with Dojo · Square · Zettle · SumUp · Stripe Terminal · PDQ · Yeti Pay · Teya · Barclaycard
*** THANK YOU ***
Apply with these numbersOperators we've helped.
£10,000 funded a second prep kitchen, repaid in 4.5 months from increased delivery volume.
Family-run South Asian takeaway, £20k/mo on cards + Deliveroo. MCA at 1.26 factor, 14% daily repayment. Second kitchen doubled fulfilment capacity for delivery; takings jumped 35% within two months. Repaid early.
Read full case study →Takeaways & food delivery, quick answers.
Yes. Most MCA lenders now treat platform takings as part of your trading volume. We'll match you to one that's comfortable with your platform mix.
Funding options for takeaways & food delivery
Takeaways now run mostly on card and aggregator payments, Just Eat, Deliveroo, Uber Eats, and in-shop terminals. A merchant cash advance (MCA), also known as a PDQ cash advance or card machine loan, turns that card and aggregator flow into working capital. Repaid as a share of daily card sales. Advances from £10,000 to £1,000,000. See PDQ cash advance →
Ready when you are
Ready to apply?
60 seconds to apply. 1 working day to a decision. No obligation, no credit footprint for the initial check.
Up to 90% approval for qualifying businesses