Garden Centre Business Loans
Get up to £6000 funding within 24-48 hours
Secure the funding you need to stock seasonal plants, upgrade equipment, and expand your garden centre. A Merchant Cash Advance offers quick, flexible funding tailored to UK businesses, helping you grow and adapt with ease.
- Low Interest
- Low deduction
- Maximum time
- Multiple loan positions
Types of Garden Centre Loans
When it comes to financing your garden centre, understanding your options is key. Here are five common loan types designed for garden businesses:
1. Merchant Cash Advance (MCA)
Receive upfront funding based on your future card sales. Repayments are a percentage of daily transactions, making it a great choice for seasonal or fluctuating sales.
2. Traditional Loans
Suitable for large investments like expansions or renovations. Fixed monthly payments make these loans ideal for structured financial planning.
3. Equipment Financing
Specifically designed to fund or lease essential equipment like shelving, irrigation systems, or display units. Offers predictable fixed repayments.
4. Business Lines of Credit
Access a flexible pool of funds whenever needed. Pay interest only on what you use—perfect for emergencies or ongoing expenses.
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 sales or fluctuating income |
Traditional Loans | Weeks/months | Yes | Fixed monthly payments | Long-term projects or expansions |
Equipment Financing | 2–7 days | Yes | Fixed payments | Upgrading or purchasing equipment |
Business Lines of Credit | Same day–1 week | Sometimes | Pay as you use | Emergencies or operational expenses |
Short-Term Loans | 24–72 hours | Sometimes | Fixed payments | Immediate stock or repairs |
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 Garden Centres
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 Garden Centre Loan
Funding to Help Your Garden Centre Thrive
The UK garden retail industry is thriving, with spring and summer seasons driving demand for plants, tools, and outdoor products. Staying competitive means constant investment in stock, equipment, and customer experience.
A Merchant Cash Advance provides the flexible funding you need to stay ahead. Whether it’s stocking seasonal plants, upgrading display areas, or adding outdoor seating to your café, an MCA adapts to your business’s needs. With fast approvals and no fixed monthly payments, you can focus on growing your business without financial stress.
FAQs About Merchant Cash Advances for Garden Centre
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 day-to-day expenses.
Get a Merchant Cash Advance quote today
- Low Interest
- Low deduction
- Maximum time
