Florist Business Loans UK
Get up to £6000 funding within 24-48 hours
Running a florist shop takes creativity and effort, but it also needs financial support to keep blooming. A Merchant Cash Advance is a quick and flexible way to get funding for your UK florist business, helping you stock up on fresh flowers, upgrade equipment, or manage everyday expenses with ease.
- Low Interest
- Low deduction
- Maximum time
- Multiple loan positions
Types of Business Loans
Finding the right funding option can make all the difference for your florist business. Here are five common types of loans designed to help florists grow.
1. Merchant Cash Advance (MCA)
Get a cash boost upfront based on your future card sales. Repayments are taken as a percentage of daily card transactions, making it ideal for florists with seasonal peaks.
2. Term Loans
Perfect for larger investments like refurbishing your shop or expanding your services. Fixed monthly payments make these loans suitable for florists who want structured repayment plans.
3. Equipment Financing
Need new refrigeration units, display racks, or floral tools? Equipment financing lets you spread the cost over time with predictable monthly repayments.
4. Business Lines of Credit
A flexible pot of funds that you can dip into whenever needed. You only pay interest on what you use, making it great for emergencies or cash flow gaps.
5. Short-Term Loans
Quick funding with fixed repayment terms, ideal for immediate needs like stocking up for peak seasons, running promotions, or managing unexpected expenses.
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 peaks or fluctuating income |
Term Loans | Weeks/months | Yes | Fixed monthly payments | Long-term investments |
Equipment Financing | 2–7 days | Yes | Fixed payments (short-term) | Buying shop equipment |
Business Lines of Credit | Same day–1 week | Sometimes | Pay as you use | Operational costs or emergencies |
Short-Term Loans | 24–72 hours | Sometimes | Fixed payments (short-term) | Immediate expenses |
What is Merchant Cash Advance?
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.
How MCA Works?
With an MCA, your florist shop receives a lump sum upfront. Repayments are linked to your card sales, meaning you never have to worry about fixed monthly payments. It’s a simple, hassle-free way to manage cash flow while keeping your shop stocked and thriving.
Benefits of Merchant Cash Advances for Florists
Flexible Repayments – Aligned with Your Sales
Repayments are tied to your daily card sales, so you pay more when sales are good and less during quieter times. It’s a stress-free way to manage repayments.
Fast Access to Funds
Once approved, you can receive between £3,000 and £300,000 in as little as 24-48 hours, making it perfect for covering urgent expenses or stocking up for busy seasons.
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 All Your Cash
Only card transactions are used for repayment, so your cash earnings stay in your pocket to manage other business needs.
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 Restaurant Loan
Smart Financing Options for UK Florist Shops
Running a florist shop is about more than arranging beautiful flowers it’s about staying ahead in a competitive market. From stocking fresh flowers to upgrading tools or marketing your business, keeping your shop thriving takes constant investment. Seasonal peaks like Valentine’s Day, Mother’s Day, or Christmas can bring big sales, but quieter months make managing cash flow tricky.
Merchant Cash Advances (MCAs) offer a simple solution. You get a cash lump sum upfront, and repayments are taken as a small percentage of your daily card sales. When business is booming, you pay more; during quieter times, you pay less. It’s flexible, stress-free funding that works with the natural flow of your business.
At Paymentsave, we make funding easy for UK florists. Whether you need money to stock up, upgrade equipment, or cover unexpected expenses, we’ve got you covered. With fast approvals, you could access £3,000 to £300,000 in just 24–48 hours. No collateral is needed, and there are no hidden fees just clear, upfront costs.
Focus on creating stunning bouquets and making your customers happy. Let PaymentSave help your business bloom with flexible funding that’s made for you.
FAQs About Merchant Cash Advances for Florists
You can borrow up to 150% of your average monthly card sales. For example, if your shop processes £10,000 in card payments each month, you could borrow up to £15,000.
Repayments are flexible and tied to your card sales. You’ll pay more during busy months and less when it’s quieter.
Yes! As long as your shop has been trading for at least three months and processes regular card payments, you’re eligible.
Costs are based on a transparent factor rate, with no hidden fees or surprises. All costs are explained upfront.
Get a Merchant Cash Advance quote today
- Low Interest
- Low deduction
- Maximum time
