Merchant cash advance in Runcorn.
Runcorn is a Halton town on the Mersey, split between the historic Old Town and the newer estates and shopping around Halton Lea, and long shaped by the chemical works along the estuary. The Mersey Gateway bridge has opened the town up further, and its trade is driven by a large resident and commuter base rather than tourism. Takeaways, convenience stores, barbers, gyms and neighbourhood pubs here see consistent daily card spending as people shop close to home. A merchant cash advance suits that rhythm: a business draws a lump sum and repays it as an agreed share of its daily card takings. A Runcorn gym could add equipment, or a takeaway upgrade its kitchen and delivery setup. Merchant Business Loans arranges the finance and matches each business to funders comfortable with high-frequency card trade. When a week is slower, the repayment is lighter too.
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.
Runcorn sectors we fund.
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Up to 90% approval for qualifying businesses