Business Loans for Bike Shops

Get £3k to £300k in 24 hours*

  • Pay back through future card sales
  • Unsecured – there’s no worry
  • Same day business funding
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Quick Decision with No Obligation

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Supporting British Businesses

Boost your bicycle shop growth

We understand that when you need business funding, you need it fast. Whether you're looking to boost your cash flow, purchase stock or adapt your bike shop, we have the flexible and affordable merchant cash advance that will support your bike shop business and growth.

Works with your existing PDQ card machine

Works with your card sales

Unlock funding from £3,000 up to £300,000 against your customer card sales.

Flexible repayments - repay when you sell

Flexible repayments

Automatically repay a small percentage when customers purchase by card – There are no fixed payments.

Unsecured finance - No asset security required

No asset security required

The advance is unsecured, so your business assets are safe.

Keep 100% of cash transactions

Fast funding

A quick decision and process mean you can access your money in just 24 hours* after approval.

No hidden costs

No hidden costs

The cost of the finance is made clear to you upfront. There are no hidden costs, confusing APR’s or other nasty charges.

Apply online 24 hours a day 7 days a week

Apply online 24/7

Apply at any time - We can process your application 24 hours a day.

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Quick Decision with No Obligation

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Get your business in gear with bike shop funding

The UK's cycle market has been growing year-on-year. Since the recent push to go greener and get more active, the government has encouraged us to get on our bikes instead of driving or using transport for short journeys.

Since coronavirus COVID-19 hit the UK in 2020, the industry has seen unprecedented levels of cycling use. In response, transport secretary Grant Shapps has announced a £2 billion plan to boost cycling and walking infrastructure both during and after the lockdown.

Small bike shops to large cycle outlets across the country have seen a dramatic rise in sales due to the pandemic. The Bicycle Association (BA) have reported that retailers have seen a staggering 60% increase in sales since March 2020. The retail cycle market is now expected to grow to £2.2 billion.

With customer demand so high and with a major shift to online purchases, we understand that your business cash flow could be holding you back from your growth plans. Our bike shop cash advance can be used to support your short term business goals from renovation, investing in an online website, stock purchase and general cash flow needs.

We know that you are busy running your bike shop business and have designed the process to be as simple, clear and straightforward as possible. Get a free no-obligation quote today! Simply apply now, and one of our friendly team will contact you back to discuss your requirements.

Apply Now

Quick Decision with No Obligation

Business Loans for Bike Shops - Business owner repairing bicycle tyre

Bike shop business loan for any purpose, such as:

  • Increase stock levels of bicycles, mountain bikes, road bikes, e-bikes, helmets, and other bike accessories
  • Boost sales by launching an online store or updating your existing website
  • Help support short term cash flow issues
  • Hire and train new staff including sales assistants and store managers
  • Emergency repairs and general maintenance
  • Renovate or expand your retail store
  • Marketing and advertising budgets
  • Purchase new retail displays, bike stands, racks and more shopfitting equipment
  • Offer your customers extra services like on-site bicycle servicing, tyre repairs and maintenance

A bike shop business cash advance is a new way to fund your small business. It works by your business repaying the loan amount off on future card sales made through card payments in-store or online.

It works differently from a conventional business bank loan from the high street banks. As it works alongside your cash flow, you don't have one monthly lump sum to pay back at the end of each and every month. These traditional loans wouldn't consider that you may have had a slow month – you would simply be contracted to pay back the agreed amount regardless.

As this is advance is based on card sales, the amount you can borrow is up to one month's card revenue. For example, if your bike shop turns over £5,000 a month on card, you can borrow up to £5,000.

Repayments are automatic and straightforward. You agree on a payback percentage (usually around 10%-20%) of your future credit/debit card sales that you are comfortable repaying on each sale through your card terminal machine.

The benefit of this loan is that it's designed to work with your cash flow. It's great for seasonal businesses. If you have a quiet month on sales, you pay back a smaller amount (in line with your sales). If you have a good month, then you pay the loan back quicker.

Any cash sales you make through your till is not taken into account, only card sales.

Yes, a merchant cash advance is unsecured, so the funding raised is not secured against your business property or valuable assets.

Apply Now

Quick Decision with No Obligation

Funding Britains Small Businessses

"We have helped many bicycle shops across the UK receive funding to grow"

£20+ Million
Total Funded to Businesses

Application Approval Rate

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It's as easy as 1-2-3!

The process is fast, simple and straightforward. It's hassle-free, meaning there's no complicated paperwork to complete so you can focus on growing your business.

Step 1 - Apply online in minutes


Apply online in minutes

Apply online for a cash advance from £3,000 up to £300,000 for any business purpose.

Step 2 - Get funded in 24 hours


Get funded in 24 hours*

The merchant cash advance can be with you in as little as 24 hours* after approval.

Step 3 - Pay back only when you sell to your customers


Repay only when you sell

You simply pay back a small percentage of your future card sales as they happen. You only repay when you sell.

Apply Now

Quick Decision with No Obligation

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