Merchant cash advance in Caerphilly.
Caerphilly is a historic town dominated by its vast medieval castle and long associated with its namesake cheese, and it also serves as a commuter base for Cardiff just to the south. Its card-taking trade centres on Castle Court and the surrounding streets, where cafes, independent shops, salons and beauty rooms line the route to the castle. Footfall lifts with visitors at weekends and around events, then settles into a steadier weekday pace. A merchant cash advance provides a lump sum now against future card sales, repaid as an agreed percentage of what the tills take each day. For a cafe near the castle or a town-centre salon that means repayment tracks real trade rather than a flat monthly figure. The cost is fixed and made clear before anything is signed. Merchant Business Loans arranges this commercial finance rather than acting as the lender.
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.
Caerphilly sectors we fund.
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