Pet Shop Business Loans UK
Get up to £6000 funding within 24-48 hours
Quick, flexible funding to help your pet shop grow. Stock products, upgrade equipment, or invest in marketing get the financial support you need today.
- Low Interest
- Low deduction
- Maximum time
- Multiple loan positions
Types of Pet Shop Business Loans
Understanding the right financing options is key to successfully growing your pet shop. Here are five funding options tailored for pet shop owners:
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.
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 Pet Shops
Merchant Cash Advances (MCA) provide Pet 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 Pet Shop Loan
Flexible Funding to Help Your Pet Shop Thrive
The UK pet care market is thriving, valued at over £2.7 billion annually, with pet ownership reaching a record high of 3.2 million households. The demand for premium pet products, including organic food, grooming, and health supplements, continues to rise. In fact, pet-related spending increased by 10% in 2022, showing that the industry is expanding rapidly.
With the growing number of pet owners, pet shops need to regularly invest in inventory, upgrade their equipment, and run targeted marketing campaigns to keep up with customer demand. A Merchant Cash Advance (MCA) offers flexible funding, enabling you to stock up on seasonal products, invest in the latest pet care technology, and attract new customers, without the stress of fixed monthly payments.
Repayments are tied to your daily card sales, so when business is booming, you pay more, and when things slow down, your repayments adjust accordingly. With quick access to funds, you can ensure your pet shop stays competitive, providing the best products and services to your growing customer base.
FAQs About Pet 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.
Yes, if your shop has been trading for at least 3 months and processes regular card payments, you’re eligible.
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.
You can use the funds for stock, equipment upgrades, marketing, renovations, or other business needs.
Get a Merchant Cash Advance quote today
- Low Interest
- Low deduction
- Maximum time
