Merchant cash advance in High Wycombe.
High Wycombe is a Buckinghamshire market town with a long trading history and a busy modern centre built around the Eden shopping complex. The high street and Eden together hold the retailers, takeaways and coffee shops that take most of their money on card from a mix of local shoppers and commuters. Beyond the centre, the town's salons, gyms and food outlets keep a steady weekday and weekend rhythm. A merchant cash advance suits this kind of card-taking business, advancing a lump sum that is repaid as an agreed share of your daily card sales rather than a fixed instalment. Owners use it to refit a unit, upgrade equipment or restock without committing to the same payment every month regardless of trade. Merchant Business Loans arranges the funding and is not the lender, working with a panel of funders on unregulated commercial finance. The cost is fixed and set out clearly 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.
High Wycombe sectors we fund.
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