Cash advances for UK event venues.
For event venues, catering companies, and wedding operators. Funded against your card takings and booking deposits. Built for operators who book weddings 18 months out but need working capital today.
What MCA means for an event venue or catering company.
Events is a strange rhythm. Bookings are made months or years ahead. Deposits come in early, balances later. The work happens in bursts, a wedding season running April to September, corporate season spiking in Q4, private events clustered around holidays. Your card volume looks consistent on paper because deposits trickle in, but the actual cashflow is lumpy. Kitchen kit, marquees, furniture hire fleet replacement, marketing, a new event manager, all require capital in advance of the revenue. MCA bridges the gap because repayment moves with card flow, and card flow moves when your revenue does.
Sound familiar?
Marquee stock needs refreshing before wedding season.
Two new large marquees, dance floor, furniture refresh, £40k to £90k to stay competitive against other venues.
MCA in January, stock arrives February, bookings peak April to September, repayment tracks the season. Lender sees the seasonal rhythm on your card data.
You want to launch a corporate events arm.
New showroom content, sales lead, website rebuild, dedicated marketing budget, £20k to £50k before the first corporate booking confirms.
MCA funds the launch phase. First corporate deposits feed repayment; as the arm scales, repayment accelerates alongside bookings.
Commercial kitchen kit is at end of life.
Combi ovens, blast chillers, prep tables, £30k to £80k of kit to replace. Asset finance might work; MCA might work; or a combination.
We'll compare both honestly. Asset finance uses the kit as security and tends to be cheaper. MCA wins on speed and flexibility. Often a hybrid works best.
Here's what it actually costs.
A countryside wedding venue borrows £35,000 for marquee refresh and a new catering kitchen fit-out. Monthly card takings: £40,000 average, heavily seasonal (£70k peak summer, £18k winter). £35,000. Average monthly card takings £40,000. Fixed cost 1.26. 13% daily repayment % on card sales, total cost £9,100.
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£35,000
- vs card takings88%
- Fixed cost1.26
- Daily repayment£171
- Avg monthly£5,200
- Est. term8.5 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 numbersOperators we've helped.
£50,000 funded marquee and furniture refresh for the 2025 wedding season, repaid by October.
Illustrative composite. Family-run venue, £55k/mo peak summer card takings on deposits and balances. MCA at 1.25 factor, 14% daily repayment in summer, reducing to 8% over winter. Stock arrived March, season ran April to September, advance fully repaid through peak. Ability to take higher-paying weddings lifted annual revenue around £60k.
Illustrative composite scenarioEvent venues & catering, quick answers.
Yes. Deposits paid by card count as card takings when they hit your processor. That's actually useful, you have takings hitting your card data earlier than the revenue appears in your P&L.
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