Cash advances for UK motorbike dealers.
For motorcycle dealers, scooter retailers, and bike servicing specialists. Funded against your card takings. Sales deposits, servicing, parts, accessories. Built for dealers selling year-round and servicing year-round.
What MCA means for a motorbike dealer.
Motorbike dealer card mix is usually richer than car dealer because more transactions are smaller-ticket: clothing, helmets, gloves, parts, accessories, servicing. Bike sales themselves are often part-cash, part-finance. The sales deposit lands on card, balance via HP. Lenders see this as a healthier MCA fit than passenger car. Common uses: showroom refit, parts and accessories stock for spring, riding-school equipment, dyno or workshop kit upgrade, marketing for the riding season opener, second-hand bike stock buy ahead of summer, kit clothing range expansion.
Sound familiar?
Spring stock for the riding season.
March to October is the bulk of the year for new bike sales and accessories. Stock arrives on terms but lighter spring-summer kit inventory needs paying for upfront. Leathers, helmets, gloves, summer jackets, touring luggage. £15k to £60k of stock.
MCA pre-funds the spring stock buy. Repaid out of the trading season takings. Daily repayment % comfortably absorbed by the seasonal card volume that follows.
Workshop kit and dyno upgrade.
Modern dyno cell £25k to £70k. Scanner suite for current EFI bikes £8k to £20k. Tyre changer with bike-specific clamps £6k to £12k. All bookable revenue, all card-paid.
MCA funds the kit. Workshop revenue uplift from new capacity (dyno tuning sessions, advanced diagnostics) feeds back into card takings. Asset finance also worth comparing for single big-ticket items.
Kit clothing range expansion.
Branded kit (Alpinestars, Rev'It, Dainese, Furygan) needs full size runs for credibility, £30k to £120k of clothing inventory plus rail and display fit-out.
MCA funds inventory plus fit-out together. Higher-margin kit sales drive card takings and absorb the daily repayment %. Most dealers report kit margins are 30-40% vs new-bike margins of 5-12%.
Here's what it actually costs.
A motorcycle dealer borrows £30,000 for spring kit stock and workshop tyre-changer upgrade. Monthly card takings (deposits + parts + servicing + clothing): £35,000. £30,000. Average monthly card takings £35,000. Fixed cost 1.22. 13% daily repayment % on card sales, total cost £6,600.
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£30,000
- vs card takings86%
- Fixed cost1.22
- Daily repayment£150
- Avg monthly£4,550
- Est. term8.0 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 numbersMotorbike dealers, quick answers.
Spring-summer peak, autumn-winter trough. Specialist lenders are familiar with the curve and underwrite against full-year card revenue. Daily repayment % is naturally lower in winter months because card takings are lower. That's the design, not a problem.
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