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    LOCATIONS · GUILDFORD

    Merchant cash advance in Guildford.

    Guildford is a prosperous Surrey town built around its steep cobbled High Street, with the University of Surrey and a busy commuter population keeping the shops, restaurants and cafes trading hard through the week. Retail and hospitality dominate the centre, and the gyms and salons that serve a professional and student crowd all take steady card payment. A merchant cash advance provides a lump sum up front and is repaid as an agreed portion of daily card takings, so the amount collected flexes with how busy trade actually is. That suits Guildford businesses whose weeks blend commuter footfall with weekend shoppers and term time surges. A restaurant or gym can use an advance to fund equipment or a refit and repay it in step with sales rather than to a fixed date. Merchant Business Loans arranges this finance rather than being the lender, connecting each business with a funder that fits its card volumes. The cost is set as a fixed figure at the outset, so you always know the full amount to repay.

    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.