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    LOCATIONS · HARLOW

    Merchant cash advance in Harlow.

    Harlow is an Essex new town built around The Harvey Centre and the Water Gardens, and those two shopping areas still set the pace for much of the town's card trade. The cafes, takeaways and convenience stores serving the town centre and its many residential neighbourhoods take a large share of their money by card, as do the barbers, nail bars and beauty rooms scattered across the estates. With sizeable business parks and a strong logistics and light-industrial presence nearby, there is a reliable working population feeding local hospitality and everyday retail. A merchant cash advance fits these businesses because it delivers a lump sum now and is repaid as a fixed percentage of daily card takings, flexing with the ups and downs of real trade rather than demanding the same figure regardless. The cost is agreed and fixed from the outset. Owners commonly use the funds for equipment, refits, extra stock or to hold cash flow steady through a lean spell. Merchant Business Loans arranges the finance rather than lending directly.

    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.