Merchant cash advance in Edinburgh.
Edinburgh's independent businesses live and die by card payments, from the bars and restaurants of the Old Town, Stockbridge and Leith, to the cafes and boutiques along George Street, Bruntsfield and Morningside. A merchant cash advance (MCA) suits the city's strong seasonal swing, repayments flex with daily card takings, so the Festival peak repays faster while quieter winter weeks stay manageable. For Edinburgh operators planning fit-out, stock or staff ahead of Fringe and Hogmanay, MCA puts working capital in place without locking in a fixed monthly bill.
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 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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