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    LOCATIONS · BELFAST

    Merchant cash advance in Belfast.

    Belfast is Northern Ireland's capital and its busiest trading centre, with card takings flowing through the bars of the Cathedral Quarter, the restaurants along the Lisburn Road and the retailers packed into Victoria Square and the Donegall Place stretch. The city centre draws heavy footfall from students, tourists and office workers, while the Titanic Quarter and cafes around St George's Market keep tills busy from breakfast into the evening trade. A merchant cash advance suits these card-taking businesses because it advances a single lump sum that is then repaid as an agreed share of your daily card sales. When Friday night in the Botanic and Queen's University area is strong, you pay back a little more, and on a quiet Monday you pay back less. It is a practical way for a Belfast salon, gastropub or clothing boutique to fund a refit, new equipment or extra stock without a fixed monthly figure to meet. Merchant Business Loans arranges this commercial finance rather than lending itself, working across a panel of funders. The cost is agreed as a fixed cost at the outset so you know the total before you accept.

    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.

    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

    Quick Apply →
    COMPATIBILITY

    Works with your card machine and payment provider.

    Whatever you take card payments through, we fund against your takings.

    Dojo
    Square
    SumUp
    Zettle by PayPal
    Stripe
    Worldpay
    Barclaycard
    Tyl by NatWest
    takepayments
    Paymentsense
    Elavon
    myPOS
    Clover
    Teya
    Revolut
    Just Eat
    Deliveroo
    Uber Eats
    Epos Now
    Lightspeed
    Zonal
    Toast
    + many more

    Logos are the card and payment providers we fund against. We are not affiliated with, partnered with, or endorsed by them.