Retail & eCommerce Business Loans
Get up to £6000 funding within 24-48 hours
Running a retail or online store takes work. A Merchant Cash Advance (MCA) gives you quick, flexible funding to grow, stock up, or manage cash flow—without the hassle of a loan.
- Low Interest
- Low deduction
- Maximum time
- Multiple loan positions
Smart Funding for Retail & eCommerce
When it comes to funding your retail or online store, one size doesn’t fit all. Here are some flexible options tailored to help you thrive.
1. Merchant Cash Advance (MCA)
Get upfront funding based on your card sales. Repay a small percentage of your daily transactions, making it an ideal choice for businesses with fluctuating income.
2. Inventory Financing
Perfect for businesses needing to stock up for peak seasons or launch new product lines. Spread the cost of inventory purchases with predictable repayments.
3. eCommerce Loans
Specifically designed for online businesses, this funding option helps with marketing, website upgrades, or boosting digital inventory.
4. Business Lines of Credit
Tap into funds as needed to cover unexpected expenses or seasonal gaps. You only pay interest on the amount you use
5. Short-Term Loans
Quick funding to cover immediate needs like new product launches, shipping costs, or staffing during busy periods.
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 Retail & eCommerce
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:
Repayments That Work with Your Business
Pay back a percentage of daily card sales, so you’re never overwhelmed by fixed monthly payments.
Fast Approval and Funding
Get approved quickly and access funds in as little as 24–48 hours.
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
Empower Your Business with Flexible Funding
Running a retail or eCommerce business requires staying ahead of trends and meeting customer demands. Whether you’re stocking up for peak seasons, upgrading your website, or launching marketing campaigns, having fast, reliable funding can make all the difference.
Paymentsave Merchant Cash Advance is designed to support UK businesses with flexible, hassle-free funding. Repayments are tied to your daily card sales, so you pay more during busy periods and less when sales are slower.
With fast approvals, you can access £3,000 to £300,000 within 24–48 hours. No collateral or lengthy applications are needed approval is based on your card sales, making the process simple and stress-free.
Use the funds to stock up inventory, enhance your online store, expand operations, or run impactful marketing campaigns. Paymentsave ensures clear, upfront costs with no hidden fees, so you can plan your finances confidently.
It’s funding that works with your business, giving you the freedom to grow and stay competitive. Let Paymentsave help take your retail or eCommerce business to the next level apply today and keep your momentum going!
FAQs About Merchant Cash Advances for Restaurants
You can borrow up to 150% of your average monthly card sales. For instance, if your business processes £10,000 in card payments per month, you could borrow up to £15,000.
Repayments are flexible and based on your daily card sales. You’ll pay more during busy periods and less during quieter times.
Yes! As long as you’ve been trading for three months and have consistent card sales, you’re eligible.
No. All costs are transparent and clearly explained upfront, so there are no surprises.
Get a Merchant Cash Advance quote today
- Low Interest
- Low deduction
- Maximum time
