Merchant cash advance in Southampton.
Southampton is a busy port and university city where card machines rarely stop, from the WestQuay shopping centre to the bars and kitchens of Bedford Place and Oxford Street. Ocean Village and the waterfront draw cruise passengers and tourists whose spending lands squarely on card, while Portswood and Bitterne keep the independent salons, cafes and convenience stores ticking over. A merchant cash advance suits exactly these card-taking businesses, because it advances a lump sum that is then repaid as an agreed share of your daily card takings rather than a fixed monthly instalment. That means repayments flex with your trade, easing back on the quiet midweek days and rising when a match or cruise turnaround fills the tills. Restaurants, hair studios and shops across the city use this kind of funding to refurbish, restock or bridge a cash gap without pledging property. Merchant Business Loans arranges the facility on your behalf and is not a lender, sourcing unregulated commercial finance from a panel of funders. The cost is fixed and agreed up front, so you know the total before you sign anything.
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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