Cash advances for UK wholesalers.
Funded against your counter card takings. Built for wholesale operators with a trade-counter element and regular card-paying customers.
MCA fits the counter side, not the accounts book.
Wholesale revenue is usually split between BACS account customers (30-day terms) and card-paying counter trade. MCA only sits against the card-paid counter side. If you're predominantly BACS-based, invoice finance is the right tool, not MCA, and we'll redirect you to Funding Flow honestly rather than force-fit an advance.
What MCA means for a wholesaler.
Wholesale businesses typically combine account trading (BACS, 30-day terms) with counter trading (card-paid, smaller trade customers, one-off buyers). MCA lives only on the card-paid counter side. If your card volume is a meaningful share of revenue, MCA works well. If you're predominantly BACS-based, invoice finance is likely the better tool, and we'll redirect to Funding Flow for that conversation honestly. Uses where MCA fits: counter stock top-up, trade-counter refit, van investment for delivery, online trade platform launch, seasonal stock build.
Sound familiar?
Counter stock buy ahead of trade season.
£15k to £50k of stock investment for the peak trade season in your category. Suppliers want paying on delivery.
MCA against counter card takings bridges the stock investment. Peak counter trade repays the advance through increased card flow.
Trade counter expansion or refit.
New counter layout, self-serve area, trade desk extension, EPOS upgrade, £20k to £60k of investment.
MCA funds the refit. Better counter experience lifts basket size and frequency; repayment comes from the uplift.
Launch of online trade platform.
B2B e-commerce site, account integration, click-and-collect logistics, delivery vans, £25k to £80k.
MCA can fund the working capital element. For larger multi-year platform investment, a term loan typically fits better. Hybrid often optimal.
Here's what it actually costs.
A wholesaler borrows £30,000 for counter stock and trade-counter refit. Monthly card takings: £70,000 (BACS not included). £30,000. Average monthly card takings £70,000. Fixed cost 1.25. 10% daily repayment % on card sales, total cost £7,500.
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£30,000
- vs card takings43%
- Fixed cost1.25
- Daily repayment£230
- Avg monthly£7,000
- Est. term5.4 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 numbersOperators we've helped.
£25,000 funded counter refit and seasonal stock, repaid in 5 months.
Illustrative composite. Mixed wholesale/trade-counter operator, £60k/mo counter card takings alongside £180k/mo BACS account trade. MCA at 1.24 factor, 10% daily repayment against counter flow. Refit doubled self-serve counter capacity, card volume lifted to £75k/mo within three months. Advance repaid through counter uplift.
Illustrative composite scenarioWholesalers, quick answers.
If your card takings are under £5k/mo and BACS is the dominant channel, MCA isn't the right tool. Invoice finance against your BACS receivables is almost certainly the better instrument. Speak to Funding Flow about the crossover.
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