Cash advances for UK catering equipment hire.
For event equipment hire, catering kit rental, and marquee suppliers. Funded against your card and deposit takings. Built for operators where May-to-September revenue has to pay for new stock and winter storage.
What MCA means for a catering equipment hire business.
Event and catering equipment hire serves wedding venues, caterers, corporate events, festivals and private parties. May-September is the bulk of the year. Bookings settle via card (deposit + balance) typically 50-80% of revenue, with corporate accounts on 30-day terms making up the rest. Common uses: stock additions (chairs, tables, glassware, linen, marquees), van fleet refresh, warehouse expansion and racking, washing and laundry kit, marketing for new venue partnerships, online booking portal.
Sound familiar?
Stock additions for the wedding season.
Ranges of new chairs, tables, glassware, crockery, £20k to £100k of inventory bought February-March, paid upfront, returns over 2-3 seasons of hire revenue.
MCA bridges the spring stock buy. Repaid through May-September booking flow. Daily repayment % comfortably absorbed by the seasonal card takings.
Van or trailer fleet refresh.
Refrigerated transit van £35k to £60k. Trailer £6k to £20k. Reliable fleet is essential for delivery windows around weddings and corporate events.
Asset finance is usually the right tool for vehicles specifically. MCA covers wraparound costs (livery, telematics, racking) and working capital. We'll structure across both.
Warehouse and laundry capacity expansion.
Industrial laundry kit £25k to £80k. Warehouse racking and inventory tracking £15k to £60k. Both unlock significantly higher booking volume capacity.
MCA funds the works. Higher-volume booking revenue feeds card takings, which the daily repayment % draws from. Often combined with asset finance for the laundry kit specifically.
Here's what it actually costs.
A regional catering equipment hire business borrows £40,000 for spring stock additions and warehouse racking. Monthly card revenue averaged across the year: £35,000 (with summer peaks of £75k and winter troughs of £8k). £40,000. Average monthly card takings £35,000. Fixed cost 1.22. 12% daily repayment % on card sales, total cost £8,800.
These figures are illustrative. If a term loan or asset finance fits your situation better, we'll tell you.
Open the fixed cost calculator →Work out the real cost.
New businesses typically start at a higher daily % and a shorter term.
Illustrative only, not a quote.
- Advance£40,000
- vs card takings114%
- Fixed cost1.22
- Daily repayment£138
- Avg monthly£4,200
- Est. term11.6 months
Illustrative. The fixed cost is set on day one; daily repayment varies with takings. Term capped at 18 months.
Illustrative only, not a quote. Every figure here is subject to the funder. Funders advance anywhere from 100% up to 150% of monthly card takings, so 150% is not guaranteed, and the fixed cost is not guaranteed either. Your actual advance, fixed cost and terms depend on the funder and your business profile.
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Apply with these numbersCatering equipment hire, quick answers.
Specialist seasonal lenders handle this well. Daily % draws heavily through summer and lightly off-season. We size advances against full-year revenue.
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