Merchant cash advance in Falkirk.
Falkirk sits in central Scotland between Glasgow and Edinburgh, a former industrial town now known for the Falkirk Wheel and the towering Kelpies that draw visitors from across the country. In the town centre the Howgate Shopping Centre and the High Street support independent shops, cafes, takeaways and salons trading on regular card footfall. Good rail and motorway links make it a busy base for both residents and day visitors. A merchant cash advance gives these card taking businesses a lump sum up front, repaid as an agreed share of daily card receipts. Because the repayment tracks sales, quieter weeks are easier to manage and busy ones clear the balance faster. It is a useful route to funding a refit, new equipment or a stock push. Merchant Business Loans arranges this commercial finance and does not lend the money itself.
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.
Falkirk sectors we fund.
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Up to 90% approval for qualifying businesses