Restaurant Business Loans
Get up to £6000 funding within 24-48 hours
Secure up to £6,000 in 24-48 hours with a Merchant Cash Advance. Flexible funding tailored for UK restaurants to boost growth and manage cash flow.
- Low Interest
- Low deduction
- Maximum time
- Multiple loan positions
Types of 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?
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 Restaurants
Merchant Cash Advances (MCA) provide restaurants 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 Restaurant Loan
Applying for a restaurant loan with PaymentSave is quick, straightforward, and designed to get you the funds you need with minimal hassle. Follow these simple steps to secure funding:
Fast, Flexible Funding Solutions for Your Restaurant
The UK restaurant industry contributes £35.35 billion to the economy, with over 101,000 establishments serving millions of customers weekly. With more than 1.17 million people dining out at least once a week, staying competitive and investing in your business is essential. However, securing traditional financing can be challenging in today’s economic climate.
That’s where Merchant Cash Advance comes in as a modern alternative to traditional loans. Unlike conventional options with rigid repayment terms, MCA allows you to repay a small percentage of your daily card sales, making it flexible and manageable during slower periods. You can access funds ranging from £3,000 to £300,000 within 24–48 hours, ensuring you’re ready to seize opportunities or overcome challenges without delay.
Whether you own a fine dining establishment, a cozy café, or a takeaway that accepts card payments in-person or through platforms like Deliveroo, Uber Eats, or Just Eat, a Merchant cash advance can help you expand, upgrade, or sustain your business.
High approval rates and a quick application process make it easier than ever for restaurant owners across the UK to access the funds they need to grow.
Fill out our simple application form today and take the next step toward securing your restaurant’s future success.
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, you can! As long as your restaurant has been trading for at least 4 months and you have consistent card sales, you’re eligible to apply.
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
