A flexible way to fund for your butcher business
A merchant cash advance offers a smart, flexible way to fund your butcher shop. Unlike traditional bank loans, repayments are based on your card sales, so they move in line with your cash flow. This makes it an ideal solution for managing seasonal fluctuations, restocking inventory, or investing in business growth without the pressure of fixed monthly repayments.
Works with your card sales
Unlock funding from £3,000 up to £300,000 against your customer card sales.
Flexible repayments
Automatically repay a small percentage when customers purchase by card – There are no fixed payments.
No asset security required
The advance is unsecured, so your business assets are safe.
Fast funding
A quick decision and process mean you can access your money in just 24 hours* after approval.
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 24/7
Apply at any time - We can process your application 24 hours a day.
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How a merchant cash advance can work for your butcher shop
A merchant cash advance is a flexible alternative to a traditional loan for your butcher shop. Repayments are made only from future credit and debit card sales, so if sales are slow, you pay less, and if sales are strong, you pay off the advance faster. There’s no lengthy paperwork or complex approval process, just a simple online application.
For example, if your shop has a monthly turnover of £20,000, with £10,000 from card sales, you could qualify for a cash advance equal to your card turnover. You agree on a percentage of each card transaction for repayment. So, on a £50 sale with a 10% rate, £5 goes to the lender, and you keep £45. Cash sales are excluded, so you retain all cash income.
According to research by AHDB, over the last few years, the number of independent butchers in the UK has reduced by 60% to approximately 6,000. As the competition grows with supermarket chains, it's more important than ever to grow your customer base and bolster your business on the high street.
We’ve helped many independent UK butchers and farm shops access fast, flexible funding that can be used for expansion, hiring, or refurbishing. A merchant cash advance works with your business, and we’re proud to support British butchers with a solution that truly helps them grow.
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Butcher shop loans for any purpose such as:
- Stocking up on fresh meat and poultry
- Purchasing equipment including knives, meat mincers, butchers blocks and other essentials
- Help solve short term cash-flow troubles
- Build a website or online shop to sell your quality meat and poultry products nationally
- Hiring and training butchers and sales staff
- Refurbishing your shop interior
- Emergency repair and maintenance work
- Expanding your shop
- Get more custom by increasing marketing and advertising budgets
The amount a butcher shop can borrow usually depends on its average monthly card sales. We offer cash advances from £3,000 up to £300,000, but most butcher shops can typically access funding worth around 1 to 1.5 times their monthly card turnover.
Repayments are taken as a fixed percentage of your butcher shop’s daily card sales (usually around 10%). During quieter months, you pay less; during busy months, you pay more, helping you clear the advance faster. Cash sales are excluded, so you keep all your cash income.
A butcher shop loan can be used for a wide range of business needs. This includes refurbishing or expanding your premises, making health and safety improvements, or purchasing new butchery equipment such as meat mincers, bandsaws, serve-over counters, fridges, freezers, and cabinets. You can also use the funding to buy a delivery van, hire staff, or simply support day-to-day cash flow.
No, a business plan isn’t required to access a butcher shop business loan.
Yes. Many butchers and small businesses use this funding to cover wages, stock, rent, rates, utilities, and other day-to-day expenses, helping to keep cash flow steady.
Yes. A poor credit history doesn’t have to stop you from applying. Many businesses with bad credit have successfully accessed a merchant cash advance, so don’t let your credit score hold you back.
The cost of a merchant cash advance is shown upfront as a total repayable amount, based on the amount you borrow. This is calculated using a simple factor rate, making it easy to understand.
For example, if you borrow £10,000 with a factor rate of 1.2, you would repay £12,000 (£10,000 × 1.2). There are no hidden fees, late payment penalties, or additional charges. Factor rates can vary between lenders, so using our service helps you get the most competitive quote.
You can also use our merchant cash advance calculator to see exactly what your repayments would be.
Once approved, most butcher shops can receive their funding within 24 hours*. The application is simple and online, making it a fast solution for urgent business needs.
To qualify, your business must:
- Be based in the UK
- Be a sole trader or limited company
- Accept card payments with at least 3 months trading history
- Have an average monthly card turnover of £3,000 or more
Even if you don’t meet all these criteria, we may still be able to help you access funding.
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"We have helped many Butchers across the UK receive funding to grow"
£20+ Million
Total Funded to Businesses
90%
Application Approval Rate
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.
1
Apply online in minutes
Apply online for a cash advance from £3,000 up to £300,000 for any business purpose.
2
Get funded in 24 hours*
The merchant cash advance can be with you in as little as 24 hours* after approval.
3
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.
Quick Decision with No Obligation
