Merchant cash advance in Aylesbury.
Aylesbury is the county town of Buckinghamshire, a historic market town whose Friars Square centre and old Market Square keep the shops, cafes and pubs busy. The Waterside quarter and its theatre draw evening crowds into the town's restaurants and bars, while the traditional street market still anchors the centre. Independent retailers, barbers and convenience stores across the town take the bulk of their sales on card from a steady local trade. A merchant cash advance works well here, advancing a lump sum that is repaid as a share of your daily card takings so the amount you pay follows how busy you are. Publicans, shopkeepers and salon owners use it to refurbish, restock or cover a quiet spell without a fixed monthly repayment. Merchant Business Loans arranges the facility rather than lending directly, sourcing unregulated commercial finance from a panel of funders. Every deal carries a fixed cost agreed up front.
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 unregulated 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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