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ABOUT PDQ FUNDING

Meet PDQ
Funding.

We’re a UK business finance broker helping small and medium-sized businesses explore funding options and understand their next steps. We don’t lend money or promise funding.
Any funding is subject to a provider’s assessment and terms.
A QUICK FIRST STEP

Tell us about your business.

Share a few details to explore your options. No commitment to proceed.

Business owners discussing finance
UK-wideHelping business owners across the UK
A broker, not a lenderWe introduce you to lenders, they decide
One point of contactA person who knows your enquiry
ABOUT PDQ FUNDING

A UK business finance broker, working for owners

PDQ Funding is a business finance broker. We help small and medium-sized businesses across the UK explore the funding options available to them — particularly merchant cash advances, repaid from your card sales as you trade.

We are not a lender, and we do not claim to be. Our job is to understand how your business trades, explain what could fit in plain English, and introduce you to lenders who may be able to help. The decision, and the terms, always sit with the lender.

Most of the businesses we speak to are in retail, hospitality, the motor trade, salons and e-commerce — but if you take card payments, it is worth a conversation.

WHO WE HELP

Supporting businesses across the UK.

PDQ Funding works with small and medium-sized businesses across different sectors, each with their own plans and day-to-day needs.

01

Hospitality

For restaurants, pubs and bars planning their next step.

Learn more
02

Salons & beauty

For salons, barbers and beauty businesses ready to grow.

Learn more
03

Garages & MOT centres

Supporting the businesses that keep people moving.

Learn more
04

Retail & e-commerce

For independent shops and growing online retailers.

Learn more

HOW IT WORKS

Your next step towards business funding.

Tell us what you need. We’ll help you explore your options and understand what happens next.

  1. Tell us what you need

    Complete our short enquiry form with your business details, funding needs and monthly card sales.

  2. Explore your options

    We review your enquiry and introduce you to lenders that may suit your business.

  3. Review your offer

    Consider any offer, including its costs and repayment terms, and decide whether to proceed.

  4. Receive your funding

    If approved and you accept the agreement, the lender completes its checks and arranges the funds.

Discuss your funding

PDQ Funding is a broker, not a lender. Funding is subject to the lender’s checks and approval.

Business owners discussing finance
FUNDING THROUGH YOUR CARD SALES

PDQ Card Terminal Loan

PDQ Funding helps businesses explore merchant cash advances, often referred to as card terminal loans. As a broker, we introduce you to lenders that assess your trading history, business performance and card sales.

Each application is considered individually. The funding available, costs, credit checks and approval times depend on the lender and your circumstances.

Repayments are typically collected automatically as an agreed percentage of your credit and debit card sales. The lender may work with your payment provider to arrange collections. Your agreement sets out the total repayment amount, fees and any other obligations.

Whether you need stock, equipment or support for expansion, we can help explain the process and the information a lender may need. Review any offer carefully before proceeding.

UNDERSTANDING YOUR OPTIONS

Benefits of PDQ Cash Advance

  • Repayments linked to card sales

    Collections are typically an agreed percentage of card takings, so the amount collected moves with your sales.

  • A clear repayment amount

    The agreement sets out the total amount to repay and the costs before you decide to proceed.

  • Funding for business plans

    An advance can support stock purchases, equipment, refurbishment or day-to-day working capital.

  • A straightforward application

    PDQ Funding helps explain the process and introduces you to lenders. Checks and funding times vary.

Understand the cost before you commit

For illustration, a £20,000 advance with an agreed total repayment of £24,000 has a £4,000 cost. This is an example, not a quote. Where collections depend on card sales, the time taken to repay can vary.

Eligibility, fees, early settlement terms and funding times depend on the lender and agreement. PDQ Funding is a broker, not a lender.

Business funding discussion

UNDERSTANDING THE RISKS

What are the disadvantages of a PDQ Cash Advance?

A card-sales-based advance may not suit businesses paid mainly by bank transfer or cash, because collections depend on card transactions.

The amount available is linked to your card turnover and the lender’s assessment. Lower card sales may limit the funding offered.

Collections also reduce the card income available for everyday expenses. Consider the total cost and the effect on cash flow before accepting an offer.

WHO MAY BE ELIGIBLE

What type of businesses use a PDQ Cash Advance?

UK sole traders, partnerships and limited companies that accept card payments may be able to apply. This can include restaurants, pubs, hotels, salons, shops and garages.

  • ✓ A UK-based trading business
  • ✓ A trading history that meets the lender’s criteria
  • ✓ Regular card sales sufficient for the requested funding

Minimum trading periods, card turnover and credit checks vary by lender. PDQ Funding can discuss your circumstances and help you explore the options.

Business funding discussion

Frequently asked questions

The amount depends on your card turnover, trading history, business performance and the lender’s assessment. Each lender sets its own limits.
The repayment period depends on your agreement and sales. Ask the lender about the expected repayment period and any minimum payment obligations.
Lenders assess your trading history, regular card sales and business performance. Minimum requirements vary, so we can discuss your circumstances before an application.
The lender’s offer sets out the total repayment amount and any fees. Review the full agreement before deciding whether to proceed.
Collections are typically an agreed percentage of card sales, so the amount collected changes with sales. Your agreement sets out any other payment obligations.
Credit checks vary by lender and stage of application. Ask which searches will be carried out and whether they will leave a visible record before proceeding.
Businesses that receive online card payments may be considered. Eligibility depends on the lender, payment provider and your trading history.

TAKE THE NEXT STEP

Discuss your funding needs

Tell us a little about your business and we’ll help you explore the options available.


PDQ FUNDING • UK BUSINESS FUNDING

Ready to move your business forward?

Tell us what you’re looking to do and we’ll help you understand the funding options available, clearly and without pressure.

Clear guidanceFast responseNo obligation
FREE FUNDING ENQUIRY
Let’s discuss your funding needs.

Send us a few details and we’ll help you understand what options may be available.

START AN ENQUIRY Speak to our team

No obligation. The provider makes any funding decision.

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