Merchant Cash Advance for Hospitality
Pubs, restaurants, cafes, and hotels process high volumes of card payments daily, making them ideal candidates for merchant cash advances. Whether you need to fund a kitchen refit, stock up for a busy summer, hire seasonal staff, or invest in outdoor dining infrastructure, an MCA provides fast capital without the rigid repayment structure of a traditional loan.
Hospitality is inherently seasonal, and MCAs respect that. Your repayments mirror your revenue — strong months handle themselves, and quiet months don't create stress. No personal property security is required.
Key Benefits
- Repayments match your seasonal trading patterns
- Fund refurbishments, equipment, and seasonal hiring
- No property security or personal guarantees in most cases
- Fast approval — most decisions within 24 hours
Frequently Asked Questions
Can a newly opened restaurant get an MCA?
Most providers require 6 months of card processing history. A new restaurant that has been trading for under 6 months may need to wait or explore other options like unsecured business loans.
Does it work with delivery platform payments?
Standard MCAs are linked to card terminal payments. Revenue from Deliveroo, UberEats, and JustEat is typically paid via bank transfer, so it may not count toward your card revenue figure. Some newer providers are addressing this.
Can I take a second MCA while repaying the first?
Some providers offer top-ups or renewals once you have repaid 50-60% of the original advance. This can be useful for seasonal businesses that need regular capital injections.
Is it more expensive than a bank loan?
MCAs are typically more expensive than secured bank loans when compared on an APR basis. However, the flexibility, speed, and lack of security requirements make them attractive for hospitality businesses that cannot or do not want to secure lending against property.
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Open calculatorRelated Funding Options
Merchant Cash Advance UK
Get a lump sum advance repaid through a percentage of your card sales. No fixed payments, no property security. MCA for UK businesses.
Unsecured Business Loans for Hospitality
Funding for UK pubs, restaurants, cafes, and hotels. Refurbishments, equipment, marketing, and working capital without property security.
Bridging Loans for Hospitality Businesses
Fast bridging finance for UK hotels, restaurants, pubs, and leisure businesses. Secure properties quickly and refurbish before peak season.
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Learn About Our Broker NetworkCoreFi is a trading name of JG Core Ltd (Company #16218779, England & Wales). CoreFi acts as a commercial finance broker and does not provide regulated financial advice. All products described are unregulated business-to-business finance. Information on this page is for general guidance only and does not constitute a formal offer of finance. Terms, rates, and availability are subject to lender criteria and may change without notice.