Travel Agency Business Loans UK
Get up to £6000 funding within 24-48 hours
Access up to £300,000 in 24–48 hours to expand offerings, boost marketing, or manage cash flow—helping your travel agency thrive effortlessly.
- Low Interest
- Low deduction
- Maximum time
- Multiple loan positions
Types of Travel Agency Loans
Understanding your funding options is key to choosing the right solution. Here are five tailored loan types for travel agencies.
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. Business Lines of Credit
Access flexible funds whenever needed, paying interest only on what you use. Perfect for emergencies or managing operational expenses.
3. Short-Term Loans
Fast funding to handle immediate needs like marketing campaigns, booking system upgrades, or hiring seasonal staff.
4. Inventory Financing
Spread the cost of group bookings, pre-purchased travel packages, or vendor contracts with manageable repayments.
5. Refurbishment Loans
Finance improvements to your office, such as upgrading your customer service area or adding digital kiosks to enhance the booking experience.
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 Travel Agencies
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 Travel Agencies Loan
MCA Funding to Help Your Travel Agency Succeed
The UK travel market is booming, contributing over £200 billion annually to the economy. With 71% of UK residents planning international travel in 2023 and over 40 million outbound trips each year, travel agencies play a crucial role in helping holidaymakers plan seamless experiences. However, staying competitive in this thriving market requires continuous investment.
Agencies must navigate challenges like fluctuating cash flow during low seasons, rising marketing costs, and the need for advanced booking systems. Research shows that 70% of customers expect personalized travel packages, making investment in technology and customer experience essential. Additionally, with digital bookings accounting for more than 80% of travel reservations, building a robust online presence is key to success.
A Merchant Cash Advance (MCA) offers the flexible funding travel agencies need to thrive. Repayments are tied to your card sales, allowing you to pay more during peak travel seasons and less during quieter months. This ensures financial flexibility without the burden of fixed monthly payments. Whether you’re upgrading technology, enhancing your office space, or running seasonal marketing campaigns, an MCA provides the financial backing to adapt, grow, and meet customer expectations.
With fast approvals and funding available within 24–48 hours, your travel agency can seize new opportunities, handle unexpected challenges, and continue delivering exceptional service in this competitive market.
FAQs About Travel Agency 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! 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 marketing, system upgrades, seasonal staff, or any other business need.
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.
No. All costs are explained upfront—there are no hidden charges or surprises.
Get a Merchant Cash Advance quote today
- Low Interest
- Low deduction
- Maximum time
