Merchant Business LoansPowered by Funding Flow
    LOCATIONS · LARNE

    Merchant cash advance in Larne.

    Larne is a County Antrim port town, best known as the ferry gateway to Scotland with the harbour shaping much of its trade. Main Street and the surrounding centre hold a practical mix of convenience stores, takeaways, barbers and small retailers serving both locals and passing ferry traffic. The town has a strong tradition of pubs and cafes, and forecourts and MOT garages do steady business along the routes feeding the harbour and the Coast Road towards the Glens of Antrim. As a working port town rather than a tourist hotspot, much of Larne's retail and hospitality income arrives through card terminals day in, day out. A merchant cash advance advances a lump sum that is then repaid as a set percentage of daily card takings, so busy ferry days contribute more and slow days contribute less. For a business tied to the rhythm of the port and the seasons, that flexibility can suit cash flow better than a fixed monthly repayment. The cost of the advance is agreed as a fixed cost at the outset.

    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.