Cash advances for UK electrical wholesalers.
For independent electrical wholesalers and trade-counter retailers. Funded against your counter card takings. Built for operators serving sparks, contractors, and small-builds with same-day collection demand.
What MCA means for an electrical wholesaler.
Electrical wholesale serves contractors, installers, builders, and walk-in trade. Card mix at counter is typically 35-55%, with the balance on 30-day trade accounts. The market is being reshaped by the EV charger and solar/battery boom. Wholesalers stocking the right ranges are growing fast. Lenders see the sector positively because of this growth. Common uses: cable and consumer-unit stock for shortage windows, EV charger and solar product range build-out, branch refit, lighting display modernisation, marketing for contractor partnerships, EPOS/trade-card system upgrade.
Sound familiar?
EV charger range build-out.
Stocking a credible EV charger range (Zappi, Ohme, Easee, Wallbox, Hypervolt) is £15k to £50k of inventory plus display fit-out. Solar-and-battery on top doubles that.
MCA funds the range build. Higher-margin EV product (often 25-35%) lifts overall margin. Daily repayment % comfortably absorbed by the contractor volume the new range attracts.
Cable shortage stockpile.
When copper prices move or supply tightens, holding extra stock buffers margin and customer service. £20k to £100k of cable inventory through a price window.
MCA enables opportunistic stock buys. Repayment paced through ongoing trade flow. Lender focused on serviceability not stock turn rate.
Branch refit to compete with national chains.
Modern lighting display, customer service area, EV showcase, trade-card system. £25k to £90k of works. Pays back in customer retention vs the City Electrical Factors and Edmundsons of the world.
MCA funds the refit in one go. Repayment paced through the trade flow that follows. Often combined with manufacturer marketing co-op contributions.
Here's what it actually costs.
An independent electrical wholesaler borrows £40,000 for EV charger range and branch refit. Monthly card takings (counter + small accounts): £40,000. £40,000. Average monthly card takings £40,000. Fixed cost 1.2. 12% daily repayment % on card sales, total cost £8,000.
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 takings100%
- Fixed cost1.20
- Daily repayment£158
- Avg monthly£4,800
- Est. term10.0 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 numbersElectrical wholesalers, quick answers.
Routinely. The EV/solar boom is one of the most consistent positive uses of MCA in the trade-wholesale space. Lenders see the growth and price accordingly.
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