Merchant cash advance in Bournemouth.
Bournemouth is a classic seaside resort where the beach, pier and gardens pull in visitors who spend almost entirely on card. The town centre and the buzzing Triangle keep the bars, clubs and late venues trading hard through the season, while the hotels along the cliffs and West Cliff run on holiday bookings and card payments. Restaurants, cafes and salons across the town ride the same summer peak and winter lull. A merchant cash advance is built for exactly this seasonal, card-heavy trade, advancing a lump sum that is repaid as a share of your daily card takings so quieter winter weeks cost you less. Hoteliers, bar operators and restaurateurs use it to refurbish rooms, refit venues or restock ahead of the season without a rigid monthly figure. Merchant Business Loans arranges the funding and does not lend itself, drawing on a panel of funders for unregulated commercial finance. The cost is fixed and confirmed before you sign.
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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