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    LOCATIONS · OXFORD

    Merchant cash advance in Oxford.

    Oxford is a university and tourist city where visitors, students and academics keep the card readers busy all year round. Cornmarket Street and the High Street handle the retail crowds, the Covered Market shelters independent traders, and Cowley Road offers one of the region's most varied strips of restaurants and cafes. Jericho adds its own cluster of bistros, bars and salons serving a well-heeled local crowd. Because so much of the takings here arrives on card from tourists and students, a merchant cash advance is a natural fit: it advances a lump sum repaid as an agreed share of your daily card sales, so quieter vacation weeks cost less than a packed term-time run. Cafe owners, hoteliers and shopkeepers use it to refurbish, restock or cover a seasonal dip without a fixed instalment hanging over them. Merchant Business Loans arranges the funding rather than lending it, working with a panel of funders on unregulated commercial finance. The cost is fixed and agreed before you sign.

    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.