Merchant Business LoansPowered by Funding Flow
    LOCATIONS · IPSWICH

    Merchant cash advance in Ipswich.

    Ipswich, the county town of Suffolk, has reshaped its old maritime quarter into the Waterfront, where bars, restaurants and cafes now take card payments beside the marina. Up in the town centre the Cornhill, Buttermarket and the surrounding streets carry the independent retailers, coffee shops and salons that give the town its everyday trade. A merchant cash advance advances a business a single lump sum and is then repaid as a set share of its daily card takings, which keeps repayments in step with how busy the tills actually are. For an Ipswich restaurant or bar that leans on weekend and event trade, that flexibility is often easier to live with than a flat monthly repayment. Hairdressers, beauty rooms and independent shops use it to fund a refit, extra stock or new equipment without tying up their own cash. Merchant Business Loans arranges the finance through a panel of funders rather than lending directly, so the offer is matched to the way each business takes payment. It is well suited to the card led trades that fill the town centre and the Waterfront.

    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

    Quick Apply →
    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.