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• Cash flow challenge: Hospitality businesses facing unpredictable revenue, with peaks during weekends and holidays and quieter periods midweek or off-season.

• Perfect for: Restaurants, cafés, pubs, hotels, and other hospitality venues that take card payments and want a flexible, revenue-linked funding solution.

Novuna helps hospitality businesses unlock fast, flexible working capital through merchant cash advances either through our award-winning in-house service or by comparing providers, making sure you have a great deal for your situation.

Boost your cash flow Speak to an expert

Why merchant cash advances work for hospitality businesses

Merchant cash advances (MCAs) are designed for businesses that rely on card sales making them a perfect fit for the hospitality sector. Repayments automatically adjust based on your daily or weekly turnover, so during quieter periods, you repay less, and during busier times, you repay more.

When to use a merchant cash advance

Hospitality businesses use MCAs for a range of purposes, from managing everyday costs to investing in growth. Common use cases include:

• Seasonal cash flow support: Bridge quieter trading months without disruption.

• Venue refurbishment: Refresh your interiors, kitchen, or outdoor space before peak season.

• Stock and supplies: Purchase bulk ingredients, beverages, or consumables upfront.

• Marketing campaigns: Fund digital ads, social media promotions, or local events to boost bookings.

• Staffing costs: Cover wages, bonuses, or training during busy periods.

Boost your cash flow Speak to an expert

Benefits of merchant cash advances for hospitality

• Fast access to funds: Receive your advance within 24-48 hours of approval.

• Flexible repayments: Payments are automatically taken as a small, agreed percentage of your card sales with no fixed monthly instalments.

• Perfect for seasonal trading: Repayments rise and fall in line with your takings, ideal for hospitality businesses with busy and quiet seasons.

• Use funds your way: Cover payroll, restock inventory, renovate your venue, or launch a marketing campaign.

• High approval rate: Suitable for businesses that have been trading for at least six months and process regular card payments.

How a merchant cash advance works for your hospitality business

1. Apply online with Novuna or through a finance specialist by sharing your average monthly card sales and business turnover.
   
   
2. Get an offer and receive up to 100–200% of your average monthly card sales as a cash advance.
   
   
3. Access your funds once approved, funds are transferred within 24-48 hours.

How Novuna Business Cash Flow can help

We’ve helped hospitality businesses across the UK access the flexible funding they need to stay competitive and grow. Our merchant cash advance facilities are fast to arrange, transparent in cost, and tailored to your turnover cycle.

Speak to our experts today and we will help you find a great fit for your situation.