Bike Shop Business Loans UK
Get up to £6000 funding within 24-48 hours
Access up to £100k in 24–48 hours with a Merchant Cash Advance. Flexible funding to grow your bike shop, upgrade equipment, and expand inventory.
- Low Interest
- Low deduction
- Maximum time
- Multiple loan positions
Types of Bike Shop Loans
Understanding your funding options is key to finding the right fit for your shop. Here are five tailored loan types for bike shops:
1. Merchant Cash Advance (MCA)
Get upfront funding based on your future card sales. Repay a percentage of daily transactions, making it ideal for seasonal or fluctuating revenue.
2. Inventory Financing:
Spread the cost of stocking bikes, accessories, and parts, especially during high-demand seasons.
3. Short-Term Loans
Quick funding to handle immediate needs like seasonal stock purchases, repairs, or promotional events.
4. Equipment Financing
Finance tools, bike repair equipment, or in-store display units with predictable monthly payments.
5. Business Lines of Credit
Access flexible funds when needed. Pay interest only on the amount you use, perfect for emergencies or operational costs
Comparison Table: Types of Restaurant Loans
Loan Type | Funding Speed | Collateral Needed | Repayment Terms | Best For |
Merchant Cash Advance | 24–48 hours | No | % of daily card sales | Seasonal income or fluctuating sales |
Inventory Financing | 2–5 days | Yes | Fixed payments | Stocking bikes and accessories |
Short-Term Loans | 24–72 hours | Sometimes | Fixed payments | Immediate expenses |
Equipment Financing | 2–7 days | Yes | Fixed payments | Upgrading workshop tools |
Business Lines of Credit | Same day–1 week | Sometimes | Pay as you use | Emergencies or operational gaps |
What is Merchant Cash Advance?
A Merchant Cash Advance (MCA) offers upfront funds to businesses in exchange for a percentage of future card sales. It’s a fast, flexible solution designed for businesses with fluctuating revenue, providing funding without the need for collateral or perfect credit.
How MCA Works?
A Merchant Cash Advance provides a lump sum upfront, which you repay through a small percentage of your daily card sales. Payments adjust automatically based on how much your business earns—when sales are high, you pay more, and during slower periods, you pay less. No fixed schedules or complex terms.
Benefits of Merchant Cash Advances for Bike Shops
Merchant Cash Advances (MCA) provide Bike shops with a fast, flexible, and hassle-free funding solution tailored to their unique needs. Whether you’re expanding, upgrading equipment, or managing seasonal cash flow, an MCA offers several advantages:
Flexible Repayments – Aligned with Your Sales
Repay a small percentage of your daily card sales automatically. No fixed monthly payments mean you pay more during busy periods and less when sales slow down, ensuring stable cash flow.
Compatible with Your Card Machine
No need for additional equipment or setup. MCA integrates with your existing PDQ card machine, making repayment effortless and convenient through your card sales.
Get Funded in Just 24 Hours
Access funding quickly with streamlined approvals. Once approved, your funds—ranging from £3,000 to £300,000—can be in your account within 24 hours, so you can act fast on business opportunities.
Unsecured and Stress-Free
MCAs are unsecured, so your business assets remain safe. Approval is based on your sales history, not your credit score or collateral, making it a stress-free option for funding.
Keep 100% of Cash Transactions
Only card sales are used for repayment. Your cash earnings remain untouched, allowing you to manage cash flow effectively and without added strain.
No Hidden Fees
All costs are clearly outlined upfront. You’ll know exactly what you’re paying, with no hidden charges, confusing APRs, or surprises.
Apply Anytime
Submit your application online 24/7. With a quick and straightforward process, you can apply at your convenience and get a decision in hours.
How to Apply for a Bike Shop Loan
Flexible MCA Funding to Keep Your Bike Shop Growing
The UK cycling market is booming, worth £2.3 billion, with over 4.5 million bikes sold every year. E-bikes are especially popular, with demand up by 67%, and more than 7 million people in the UK cycle each week. This makes now the perfect time to grow your bike shop.
To stay ahead, bike shops need to invest in new bikes like e-bikes and mountain bikes, along with high-quality gear and accessories. Upgrading workshop tools, like wheel repair stands and diagnostic equipment, can help you offer better services. Creating a great shopping experience with fittings, repairs, and expert advice can keep customers coming back.
A Merchant Cash Advance can help you fund these improvements easily. You get quick access to money, and repayments are taken as a small percentage of your daily card sales. This means you pay more when business is busy and less when it’s quiet, without worrying about fixed payments.
With the right funding, you can stock up for busy seasons, grow your business, and make your bike shop a go-to place for the cycling community. It’s all about helping your shop thrive while keeping your customers happy.
FAQs About Bike Shop Business Loans
You can borrow up to 150% of your average monthly card sales. For example, if your business earns £10,000 per month through card payments, you could access up to £15,000 in funding.
Repayments are flexible and based on a percentage of your daily card takings. This means you’ll repay more when business is busy and less during quieter periods, helping to manage your cash flow.
The cost of an MCA is based on a transparent factor rate. There are no hidden charges or confusing terms like APR. Everything is clearly explained upfront, so you’ll know exactly what to expect.
Use it for stock, equipment upgrades, shop renovations, marketing campaigns, or staffing needs
Get a Merchant Cash Advance quote today
- Low Interest
- Low deduction
- Maximum time
