Cash advances for UK golf clubs.
For private members clubs, pay-and-play courses, and driving ranges. Funded against your card takings. Green fees, pro shop, clubhouse bar and food. Built for operators where summer green-fee income has to fund the winter overhead.
What MCA means for a golf club.
Golf is a strongly seasonal card-led business. Green fees, society days, pro-shop sales, the clubhouse bar and the kitchen all run through card readers, with a smaller proportion of revenue from member subscriptions on direct debit. Lenders look at the card mix and overlay the bank-side subs as supporting income. Particularly for private members clubs. Common uses: greenkeeping kit (mowers, irrigation), bunker rebuilds, course drainage, clubhouse refurb, pro-shop stock for the season opener, marketing for new member drives, top-up to cover the lean January-to-March quarter.
Sound familiar?
Greenkeeping kit needs replacing before the season starts.
A new fairway mower is £25k to £60k. Tractors, top-dressers, irrigation upgrades all run high five to low six figures. The course can't open with broken kit. But income to fund it doesn't arrive until April.
MCA bridges the gap from February buy to summer takings. Asset finance is also worth comparing for kit specifically. We'll quote both and tell you which is cheaper for your situation.
Clubhouse refurb between seasons.
Bar refit, kitchen upgrade, locker rooms, function room. £30k to £150k of work needs to be done in the window between October closing and April opening, paid for upfront.
MCA funds the off-season works. Repayment ramps up automatically when summer trading kicks in. No fixed monthly payment to crush January.
January to March cash gap.
Fixed costs continue. Staff, rates, utilities, course maintenance. But card revenue is at its annual low. Subs help but rarely cover everything.
A renewal-style MCA top-up positioned in autumn covers the winter trough. Repaid out of summer green fees and society bookings.
Here's what it actually costs.
A members golf club borrows £40,000 for a new fairway mower and bunker rebuild. Monthly card takings (bar, kitchen, green fees, pro shop): £55,000. £40,000. Average monthly card takings £55,000. Fixed cost 1.22. 13% 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 takings73%
- Fixed cost1.22
- Daily repayment£235
- Avg monthly£7,150
- Est. term6.8 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 numbersGolf clubs, quick answers.
Yes, but the advance is sized against your card takings (bar, kitchen, green fees, pro shop, society days). Sub income on DD doesn't drive the advance amount, but lenders treat it as supporting evidence of stable revenue, which can improve terms.
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