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Business cash advances

Excel A Rate Business Cash Limited offers business cash advances to an increasing number of retail outlets.

business cash advances, Manchester, Lancashire, CheshireBased on the value of the monthly transactions passing through the prospects PDQ (Chip and Pin) machine the business cash advances are a simple short term unsecured advance.

Repayment comes from utilising a percentage of the credit and debit card takings and is geared to be repaid within a 6 month term. However, unlike conventional loans there is flexibility within the repayments which, whilst initially being a fixed weekly amount, can be amended on request on a week by week basis to match card receipts.

There is also a mechanism for topping up the advance after 5 months, so in effect it can become a revolving facility.

Business cash advances for all purposes

Excel A Rate are not concerned what the business cash advances are used for, within reason!

Stock, refurbishments, VAT payments, marketing/advertising, bridge insurance claims etc. etc. and it is suitable for any retail business that takes credit and debit card payments through a PDQ machine. Internet sales can also be included within the product.

Our customers include pubs, restaurants, hairdressers, florists, dentists, MOT/Repair garages, garden centres, opticians, vets, etc.

Qualifying Criteria: –

  • You must have been operating the business for a minimum of 12 months
  • You must have at least 12 months PDQ statements
  • Be processing a minimum of 20 transactions a month
  • Must not be heavily seasonal
  • Averaging a minimum of £3,500 per month on card sales.
  • Must be of good standing with the terminal provider.
  • If the business is in rented premises, must have at least 12 months left on the lease and be up to date with the rent – references taken.
  • Maximum advance £50,000

For more information regarding business cash advances, please do not hesitate to contact us.

Who We Can Help

  • Pubs
  • Bed and Breakfasts
  • Gyms
  • Vehicle Repair Shops
  • Bike Shops
  • Florists
  • Off-licences
  • Restaurants
  • MOT Centres
  • Hotels
  • Butchers
  • Convenience Stores
  • Barbers/ Hairdressers
  • Many others

What We Fund

  • Business improvements
  • Unexpected bills
  • Stock purchase
  • Wages
  • VAT bills
  • Marketing
  • Many more


Harberton Art Workshop

We were approached by the owners of a well-established Arts and Craft shop in Totnes Devon. The area suffered its worst winter storms for many years reducing visitor numbers and damaging the shop front. A simple solution was provided by Excel A Rate by way of a business cash advance. See more here

Gamacatering Limited

We were contacted by the owners of a small café on the high street in Lerwick Shetland.The first of three to be taken on several years ago it was becoming staid and in need of a revamp in terms of both premises and menus. A business cash advance provided the perfect solution. See more here

Excel-A-Rate Business Services Limited is authorised and regulated by the Financial Conduct Authority FRN 713832.
Excel A Rate Business Cash Limited is authorised and regulated by the Financial Conduct Authority FRN 671187.

Copyright © 2016 Excel-A-Rate Business Services Ltd.