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    LOCATIONS · MAIDSTONE

    Merchant cash advance in Maidstone.

    Maidstone is the county town of Kent, a long established market town where the High Street, Week Street and the Fremlin Walk shopping area draw shoppers in from across the Medway valley. Its economy leans heavily on retail and hospitality, with card takings driving everything from cafes and takeaways to the salons and shops around the town centre. A merchant cash advance provides a lump sum now and is then repaid as a share of a business's daily card sales, so the amount collected rises on busy trading days and eases off when footfall is thinner. That structure suits Maidstone traders whose weeks are uneven, letting a shop refresh stock or a restaurant refit its kitchen without committing to one fixed monthly repayment. Car dealers and forecourts along the arterial routes into town also take steady card payment and can use the same approach. Merchant Business Loans arranges this finance rather than acting as the lender, matching a business to a suitable funder from its panel. The cost is fixed and agreed in advance, so the full repayable figure is clear from the start.

    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.