Top MCA Loan Providers for Bars in the UK
For UK franchise buyers and operators, this guide compares loan periods and amounts, APRs, and terms across leading providers, with a focus on eligibility and fit. Amounts that could not be verified are left blank prices accurate as of 2025-10-09.
1. Funding Agent
Funding Agent Funding Agent is a leading provider of merchant cash advances in the UK, offering tailored financial solutions to help businesses grow. It suits UK SMEs seeking clear options and predictable terms. Here's what to know:
Loan Details
- Min Amount: £1,000
- Max Amount: £500,000
- Min APR: 5%
- Max APR: 12%
- Loan Duration: 6–24 months⌛
Services & Industries
- Finance Types: Merchant Cash Advance, Unsecured Business Loans
- Industries: Hospitality, Retail
Pros
- Tailored financial solutions
- Quick approval process
Cons
- APR may vary
- Dependent on card sales
Sources: https://www.fundingagent.co.uk/post/the-best-mca-loan-lenders-in-the-uk
2. YouLend
YouLend YouLend offers flexible merchant cash advances with repayments based on card sales to help SMEs in the UK grow to their full potential. It suits UK SMEs seeking clear options and predictable terms. Here's what to know:
Loan Details
- Min Amount: £1,000
- Max Amount: £1,000,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Variable⌛
Services & Industries
- Finance Types: Merchant Cash Advance
- Industries: Retail, Hospitality
Pros
- High approval rate
- Flexible repayment terms
Cons
- Higher interest rates
- Dependent on card terminal usage
Sources: https://www.merchantsavvy.co.uk/business-finance/merchant-cash-advance/youlend/
3. Liberis
Liberis Liberis offers innovative financing solutions focusing on flexible business cash advances. It supports UK SMEs needing quick access to working capital without strict collateral requirements. It suits firms seeking simple, transparent funding options. Here’s what to know:
Loan Details
- Min Amount: £1,000
- Max Amount: £1,000,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Flexible⌛
Services & Industries
- Finance Types: Merchant Cash Advance
- Industries: Hospitality, Service sectors
Pros
- Flexible funding solutions
- Transparent pricing
Cons
- Variable factor rates
- Dependent on card transactions
Sources: https://liberis.co.uk/
4. 365 Business Finance
365 Business Finance 365 Business Finance provides funding options mainly for growth and working capital. It offers quick access to unsecured cash advances suitable for short-term needs. It supports UK SMEs seeking flexible, accessible funding solutions. Here’s what to know:
Loan Details
- Min Amount: £10,000
- Max Amount: £500,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: No fixed term⌛
Services & Industries
- Finance Types: Revenue-Based Finance
- Industries: Retail, Hospitality
Pros
- No fixed monthly payments
- High approval rate
Cons
- Revenue-dependent repayments
- Variable revenue concerns
Sources: https://www.365finance.co.uk/
5. Swoop Funding
Swoop Funding Swoop offers flexible funding options for SMEs. It includes loans and merchant cash advances for businesses needing quick capital. It is suitable for bars and hospitality businesses seeking fast access to funding. Here's what to know:
Loan Details
- Min Amount: £5,000
- Max Amount: £5,000,000
- Min APR: 5%
- Max APR: 10%
- Loan Duration: 1–60 months⌛
Services & Industries
- Finance Types: Business Loans, Merchant Cash Advances
- Industries: Hospitality, Bars
Pros
- Wide range of funding options
- Customizable repayment terms
Cons
- Potential for high interest rates
- Complex application process
Sources: https://swoopfunding.com/uk/business-loans/merchant-cash-advance/
6. Millbrook Business Finance
Millbrook Business Finance Millbrook offers flexible commercial funding solutions focusing on working capital needs. It helps UK businesses retain stability and meet short-term expenses. It supports UK SMEs looking for accessible, flexible funding options. Here’s what to know:
Loan Details
- Min Amount: £3,000
- Max Amount: £250,000
- Min APR: 10.9%
- Max APR: 27%
- Loan Duration: Variable⌛
Services & Industries
- Finance Types: Business Cash Advances
- Industries: Retail, Commercial
Pros
- Flexible funding
- Specialist funding options
Cons
- Higher minimum rates
- Complex approval criteria
7. Portman Finance Group
Portman Finance Group Portman offers tailored funding solutions including bank loans and asset finance for UK businesses. It is suitable for those seeking flexible and growth-focused funding. It supports firms aiming for manageable repayment options. Here's what to know:
Loan Details
- Min Amount: £1,000
- Max Amount: £1,000,000
- Min APR: 6%
- Max APR: 12%
- Loan Duration: 6–60 months⌛
Services & Industries
- Finance Types: Business Loans, Asset Finance
- Industries: Hospitality, Retail, SMEs
Pros
- Tailored solutions
- Large lender network
Cons
- Variable rates based on risk
- Complex approval
Sources: https://portmanfinancegroup.co.uk/
8. Fleximize
Fleximize Fleximize offers flexible business loans via online platforms. It is suitable for SMEs needing quick, adaptable funding with transparent terms and flexible repayment options. It emphasizes speed and personalised solutions for growing businesses. Here’s what to know:
Loan Details
- Min Amount: £5,000
- Max Amount: £500,000
- Min APR: 8.9%
- Max APR: 25%
- Loan Duration: 1–60 months⌛
Services & Industries
- Finance Types: Business loans, Flexi-Loans
- Industries: Retail, Hospitality
Pros
- Flexible loan options
- Easy application process
Cons
- Higher starting rates
- Secured loans required
Sources: https://www.fleximize.co.uk/
9. Capalona
Capalona Capalona provides comprehensive business loans and finance solutions, including merchant advances and traditional term loans. It is suitable for UK firms seeking quick access and comparison of diverse funding options. It supports businesses looking for straightforward, transparent financing. Here’s what to know:
Loan Details
- Min Amount: £1,000
- Max Amount: £10,000,000
- Min APR: 7%
- Max APR: 20%
- Loan Duration: 6–120 months⌛
Services & Industries
- Finance Types: Business Loans, Merchant Advances
- Industries: Hospitality, Retail, SMEs
Pros
- Comprehensive comparison service
- Wide range of products
Cons
- Complex comparison process
- Variable rates
Sources: https://www.capalona.co.uk/
10. BMCAA
BMCAA The British Merchant Cash Advance Association (BMCAA) focuses on merchant cash advances for UK businesses. It offers broker access and a network for MCA providers. It is suitable for firms looking for industry-specific funding options. It supports ongoing industry collaboration and tailored solutions. Here’s what to know:
Loan Details
- Min Amount: £3,000
- Max Amount: £150,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Flexible⌛
Services & Industries
- Finance Types: Merchant Cash Advance
- Industries: Retail, Bars
Pros
- Wide lender network
- Industry leader
Cons
- Limited to MCA products
- Variable repayment terms
Sources: https://www.bmcaa.co.uk/
How to choose
Choose a provider based on your funding needs and business stage. If you seek quick access with flexible agreements, consider specialist MCA providers. Larger firms might prefer brokered or bank solutions for bigger or secured funding. Review each offer’s fees, repayment terms, and suitability for bars. Matching the right provider to your cash flow and growth plans ensures better results. Compare options carefully before applying.
Conclusion
Matching the right provider depends on your funding purpose. Bank lenders often focus on secured, larger loans. Brokers may offer broader choices and tailored solutions. Specialist MCA providers like Funding Agent and Swoop focus on fast, unsecured advances suited to short-term needs. Always verify current costs and terms with the lender; pricing may change.
