Merchant Business LoansPowered by Funding Flow
    LOCATIONS · CANTERBURY

    Merchant cash advance in Canterbury.

    Canterbury is a cathedral and university city, home to the University of Kent and Canterbury Christ Church, and its historic centre draws a constant stream of visitors along the High Street and around the cobbled lanes near the cathedral. That tourism and student trade keeps its restaurants, cafes, pubs and independent shops taking card payments all year round. A merchant cash advance advances a lump sum and is repaid as an agreed slice of daily card takings, so the collection naturally follows the busy summer and term time peaks and softens in the quieter weeks. That fits Canterbury's hospitality and retail businesses well, where trade rises and falls with visitor numbers and the academic calendar. Guest houses and small hotels catering to cathedral tourists can use the same funding to cover a refurbishment before the season. Merchant Business Loans arranges the finance rather than lending directly, pairing a business with a funder that suits its card volumes. The amount to repay is set as a fixed cost from the outset, with no moving figure to track.

    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.