Deli Business Loans
Get up to £6000 funding within 24-48 hours
Access up to £300,000 in 24–48 hours to stock seasonal items, upgrade equipment, and grow your deli with flexible, hassle-free funding.
- Low Interest
- Low deduction
- Maximum time
- Multiple loan positions
Types of Deli Business Loans
Choosing the right funding for your deli is essential to ensure smooth operations and growth. Here are five popular loan options tailored for delis
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?
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 Delis
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 MCA
Funding to Help Your Deli Succeed
The UK deli industry is booming, with customers seeking high-quality, artisanal products. From specialty meats and cheeses to fresh breads and premium condiments, delis must continually invest to meet demand. Seasonal peaks, such as holidays or festivals, can make managing cash flow tricky.
A Merchant Cash Advance offers the flexible funding you need to grow and adapt. With repayments tied to card sales, you’re never burdened by fixed payments during slower months. Whether you’re expanding your offerings, upgrading equipment, or running targeted marketing campaigns, reliable funding helps you stay competitive and attract loyal customers.
FAQs About Deli 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.
Yes! As long as you’ve been trading for at least 3 months and process regular card sales, you’re eligible.
Funding can be used for stock, equipment upgrades, shop renovations, marketing, or operational costs.
No. All costs are explained upfront—there are no hidden fees or surprises.
Get a Merchant Cash Advance quote today
- Low Interest
- Low deduction
- Maximum time
