Merchant cash advance in Port Talbot.
Port Talbot is a South Wales steel town, long shaped by its works and by the sweep of Aberavon seafront and beach on its western edge. Its card-taking trade runs through the Aberafan Shopping Centre, the takeaways and convenience stores serving its neighbourhoods and the forecourts and pubs along its main routes. Takings build around paydays and warmer weekends near the seafront, then ease back through quieter spells. A merchant cash advance gives a business a lump sum now and collects it as an agreed percentage of daily card sales, so repayment rises when trade is strong and falls when it is not. For a takeaway, a convenience store or a seafront cafe that flexibility matters more than a fixed monthly bill. The cost is fixed and agreed before you commit. Merchant Business Loans arranges this commercial finance rather than lending on its own account.
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.
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