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    Merchant cash advance in Hastings.

    Hastings is a characterful Sussex seaside town, with its historic Old Town, the working fishing beach and the net huts giving it a creative, independent streak that runs through its cafes, pubs and small shops. Tourism and a thriving artistic community keep card payments moving through its restaurants, coffee shops and quirky retailers, especially over summer and at weekends. A merchant cash advance gives a business a lump sum and is repaid as an agreed slice of daily card takings, so busy visitor days contribute more and the quieter off season contributes less. That pattern fits Hastings well, where trade leans hard on tourism and the weather. A cafe or independent shop can use an advance to fund stock or a refit and repay it as sales come in rather than to a fixed schedule. Merchant Business Loans arranges the finance rather than being the lender, matching a business to a funder from its panel. The cost is fixed and agreed at the outset, so the repayable total is clear before you commit.

    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

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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.