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 MCA repayments flex with daily revenue. Strong months repay faster, quieter months repay slower. The trade-off is total cost: a longer downturn extends the facility term and increases the total amount you repay, so it pays to model what happens if revenue drops 20 to 30 percent for a few months. 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.
Merchant Cash Advance calculator
Move the sliders for an instant estimate. Free to use, no sign-up.
Total repayable
£62,500
Total cost
£12,500
Per month (approx)
£6,000
Est. months
10.4
Illustrative estimate only, not a quote or financial advice. A broker will confirm exact terms based on your circumstances and lender appetite.
Related 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.
Researching Merchant Cash Advance? Get the free guide
Plain-English, UK-specific. What it costs, who qualifies, and how to get the best terms, straight to your inbox.
- How merchant cash advance works and what it really costs
- Eligibility and the documents lenders ask for
- How CoreFi matches you to the right lenders from our panel
Ready to Get Funded?
Submit your details and we'll match you with the right lenders from our panel. No obligation, no fees.
Get matched with lendersCoreFi 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.