Merchant cash advances for pubs, restaurants, and event spaces

• Cash flow challenge: I need fast funding to cover operating costs, but my income comes mainly from card transactions that vary each week.

• Perfect for: Hospitality businesses with regular card payment revenue looking for flexible repayment options.

Novuna helps hospitality venues secure merchant cash advances based on future card sales, either through our award winning in-house service or by comparing the market to find the best fit for your business.

We work with providers who understand hospitality, help you apply, and make sure you get the right deal for your needs.

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How a merchant cash advance works

With a merchant cash advance, you receive a lump sum based on your projected card sales. Instead of fixed monthly repayments, you repay a percentage of each card transaction until the advance is cleared. This flexibility means repayments are lower during quieter trading periods and higher when business is booming.

Benefits for pubs, restaurants, and event spaces

• Manage seasonal fluctuations without straining cash flow
• Invest in refurbishments, equipment, or marketing campaigns before busy periods
• Keep repayments aligned with actual revenue
• No fixed term - repayment is complete once the agreed total is reached

Common uses of merchant cash advances in hospitality

• Pre-event upgrades and stock purchases: Prepare for weddings, concerts, or seasonal parties by investing in décor, sound equipment, or increased stock.
• Refurbishments and renovations: Enhance your venue’s appeal to attract more customers and bookings.
• Marketing and promotion: Fund advertising campaigns to drive footfall during quieter months.

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Things to consider before applying

• Total repayment amount rather than just the advance size
• The percentage of card sales that will be deducted
• Whether your card transaction volume is consistent enough to support
• Comparing providers to get the best terms

However, it may not be ideal if your agency has irregular invoice volumes or a high proportion of clients with poor payment histories.

Why choose Novuna for invoice discounting?

• Flexible terms tailored to recruitment sector needs
• Fast funding decisions to keep your agency moving
• Dedicated support from cash flow specialists who understand your industry