Merchant cash advance for restaurants and hospitality

Hospitality trades on unpredictable days. A wet week, a quiet January or a slow midweek can leave a restaurant or bar short of cash even when the business is fundamentally healthy. A Merchant Cash Advance is built for exactly this rhythm. You take a lump sum upfront and repay it as an agreed percentage of your daily card takings, so repayments rise when trade is strong and fall away when it is quiet. There is no fixed monthly payment to find on a bad week.

The fit is practical as well as neat. Restaurants, bars, cafes, hotels and takeaways collect the overwhelming majority of their revenue by card, so the repayment mechanism sits directly on top of how the money already flows in. Because the advance is assessed on your card turnover rather than years of filed accounts, a relatively new venue can qualify once it has a few months of terminal history, and the collection happens automatically through your existing card provider without you managing standing orders.

A Merchant Cash Advance suits short to medium term needs where flexibility matters more than the lowest headline rate. Common uses are funding a refurbishment or new look, buying kitchen equipment, covering a quiet trading stretch, or stocking up and staffing ahead of a busy season. For a larger fixed project such as opening a second site you may be better served by a term business loan, and we will tell you honestly when that is the case rather than push an advance that does not fit.

• Covering quiet trading weeks without a fixed repayment
• Funding a refurbishment or a new look for the venue
• Buying kitchen or bar equipment
• Stocking up and staffing ahead of a busy season