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    LOCATIONS · BRIGHTON AND HOVE

    Merchant cash advance in Brighton and Hove.

    Brighton and Hove runs on card payments, from the independent traders of the North Laine and the boutiques of The Lanes to the bars and restaurants along the seafront and up in Kemptown. It is one of the busiest hospitality and leisure economies on the South Coast, with venues around Western Road and central Hove taking thousands of card transactions every weekend. A merchant cash advance gives a business a lump sum up front, then collects repayment as an agreed share of its daily card takings, so quieter midweek days cost less than a packed Saturday night. That flexible pattern suits Brighton's cafes, salons, tattoo studios and late bars, where trade swings with the season and the weather. Because repayment moves with actual sales rather than a set monthly figure, an advance can help fund a refit, extra stock or new equipment without straining a tight month. Merchant Business Loans arranges this commercial finance rather than lending it, working with a panel of funders to match a deal to how a business actually takes money. The total is agreed as a fixed cost at the outset, so you know the full amount to repay 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

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    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

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    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.