Car Dealer Business Loans
Get up to £6000 funding within 24-48 hours
Get quick, flexible funding for your UK car dealership. Stock up, expand, and boost sales with a Merchant Cash Advance. Apply now and drive growth!
- Low Interest
- Low deduction
- Maximum time
- Multiple loan positions
Types of Car Dealer Business Loans
When it comes to financing your restaurant, understanding the different loan options is essential. Below are five popular types of loans tailored for restaurant businesses:
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. SBA Loans
Government-backed loans offering low interest rates and long-term repayment plans. Suitable for established businesses with low-risk projects.
3. Equipment Financing
Specifically designed to purchase or lease equipment. Fixed repayment terms make it perfect for upgrading your kitchen or dining setup.
4. Business Lines of Credit
Access flexible funds up to a set limit. Pay interest only on what you use, making it great for handling unexpected expenses or cash flow gaps.
5. Short-Term Loans
Fast funding with fixed repayment schedules over a short duration. Ideal for covering immediate expenses or taking advantage of business opportunities.
Comparison Table: Types of Restaurant Loans
| Loan Type | Funding Speed | Collateral Needed | Repayment Terms | Best For |
|---|---|---|---|---|
| Merchant Cash Advance (MCA) | 24–48 hours | No | % of daily card sales | Seasonal or variable sales |
| SBA Loans | Weeks/months | Yes | Fixed monthly payments | Low-risk, long-term projects |
| Equipment Financing | 2–7 days | Yes | Fixed payments (short-term) | Purchasing new equipment |
| Business Lines of Credit | Same day–1 week | Sometimes | Pay as you use | Handling cash flow gaps |
| Short-Term Loans | 24–72 hours | Sometimes | Fixed payments (short-term) | Immediate expenses or growth |
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 for Car Dealerships
With a Merchant Cash Advance, you receive a lump sum of funding based on your average monthly card sales. Repayments are tied to your daily card transactions—meaning you repay more during busy sales periods and less when things are slower. This flexibility means you don’t have to worry about fixed monthly payments and can manage your business’s cash flow more effectively.
Benefits of Merchant Cash Advances for Car Dealerships
0A Merchant Cash Advance (MCA) is a flexible funding option that allows you to get a lump sum of cash based on your daily card sales. This option is ideal for car dealers who have fluctuating sales due to seasonality or variable demand. Repayments are automatically deducted as a small percentage of your daily card sales, which adjusts depending on how much you earn each day.
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 Car Dealer Business Loan
MCA Funding for Your Car Dealership
The UK car dealership industry is booming, valued at over £40 billion annually. With more than 4 million vehicles sold each year, competition is fierce. To stay ahead, dealerships must continually invest in inventory, customer experience, and marketing efforts.
A Merchant Cash Advance (MCA) offers the flexibility you need to grow without the burden of fixed repayments. You can use the funds to stock up on new models, upgrade your showroom, or fund targeted advertising campaigns.
MCA provides quick access to capital—typically within 24-48 hours—and repayments are directly tied to your daily card sales. This means you only pay when you earn, making it the perfect solution for businesses with fluctuating revenue. With no need for collateral and clear, upfront costs, MCA gives you the financial freedom to keep your dealership thriving and ahead of the competition.
FAQs About Merchant Cash Advances for Restaurants
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.
Yes! As long as your dealership has been trading for at least 3 months and processes regular card payments, you’re eligible.
You can use the funding for inventory, equipment upgrades, marketing, renovations, or any other business needs.
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.
Get a Merchant Cash Advance quote today
- Low Interest
- Low deduction
- Maximum time
