Real Businesses, Real Results

See how 500+ UK businesses used MerchantSwitch funding to grow, adapt, and thrive

£10M+
Total Funded
500+
Businesses
85%
Approval Rate

Bella Vista Restaurant

Manchester
Restaurant & Hospitality
£25,000
Funded

The Challenge

Needed to refurbish dining area and upgrade kitchen equipment before summer season but had exhausted overdraft facility.

The Solution

Received £25,000 merchant cash advance based on strong card sales history. Used funds for complete dining room renovation and new commercial oven.

The Results

  • 40% increase in covers per night
  • Average spend per table up 25%
  • £12,000 additional monthly revenue
  • Fully repaid advance in 8 months
  • Reinvested savings into marketing
Monthly Turnover
£42,000
Repayment Term
8 months
Funding Amount
£25,000

"The funding came through in 3 days - just in time for our renovation. The flexible repayments meant we could manage cash flow during quieter weeks. Best business decision we made this year."

M
Marco R.
Owner, Bella Vista Restaurant

The Style Studio

London
Fashion Retail
£18,000
Funded

The Challenge

Wanted to stock spring/summer collection but traditional bank loan would take 6-8 weeks - too late for seasonal buying opportunity.

The Solution

Fast-tracked £18,000 funding approved in 24 hours. Purchased inventory from 3 new suppliers and added emerging designer brands.

The Results

  • Stocked 45% more inventory
  • Sold out 2 collections in 4 weeks
  • £28,000 additional revenue in Q2
  • Repaid in 7 months
  • Built relationships with new suppliers
Monthly Turnover
£22,000
Repayment Term
7 months
Funding Amount
£18,000

"Speed was everything. MerchantSwitch understood the fashion industry and got us funded before our competitors could react. We wouldn't have had our best quarter ever without them."

S
Sarah K.
Founder, The Style Studio

Glow Hair & Beauty

Birmingham
Beauty & Personal Care
£12,000
Funded

The Challenge

Three stylists left to open competing salon. Needed to hire and train replacements quickly while maintaining service quality.

The Solution

Secured £12,000 to hire 3 new stylists, provide training, and launch retention bonus scheme for remaining staff.

The Results

  • Hired and trained 3 stylists in 2 weeks
  • Zero additional staff turnover
  • Customer satisfaction maintained at 4.8/5
  • Added 2 new premium services
  • Revenue recovered within 6 weeks
Monthly Turnover
£16,000
Repayment Term
9 months
Funding Amount
£12,000

"When we lost half our team, I thought we were finished. MerchantSwitch gave us breathing room to rebuild. The flexible repayments meant we didn't stress during the transition."

J
Jessica M.
Salon Owner, Glow Hair & Beauty

Greenleaf Garden Centre

Bristol
Retail & Garden
£35,000
Funded

The Challenge

Seasonal business needed funds in January to stock spring plants, but traditional lenders saw winter sales as too risky.

The Solution

Based funding on annual card sales (not just winter months). £35,000 advance allowed full spring stock order plus marketing campaign.

The Results

  • 200% increase in spring stock
  • Best spring season in 10 years
  • £62,000 additional revenue
  • Repaid advance in peak 6 months
  • Opened second location next year
Monthly Turnover
£45,000 (peak) / £8,000 (winter)
Repayment Term
11 months
Funding Amount
£35,000

"Other lenders saw our winter sales and said no. MerchantSwitch understood seasonal business and looked at the full picture. Game changer for us."

D
David P.
Managing Director, Greenleaf Garden Centre

CityRide Taxis

Leeds
Transportation
£28,000
Funded

The Challenge

3 vehicles needed replacement after accidents. Insurance covered vehicles but left cash flow crisis for drivers and operations.

The Solution

£28,000 funding within 48 hours. Purchased 3 replacement vehicles and covered operating costs during recovery period.

The Results

  • Back to full capacity in 1 week
  • Zero driver layoffs
  • Maintained all corporate accounts
  • Added ride-sharing app integration
  • 15% revenue growth post-crisis
Monthly Turnover
£32,000
Repayment Term
10 months
Funding Amount
£28,000

"The accidents could have put us out of business. MerchantSwitch moved heaven and earth to get us funded in 2 days. Not just saved our business - helped us grow it."

M
Mohammed A.
Fleet Owner, CityRide Taxis

FitZone Gym

Liverpool
Fitness & Wellness
£42,000
Funded

The Challenge

Post-lockdown recovery - needed new equipment and marketing to win back members who'd bought home gym equipment.

The Solution

£42,000 to completely modernize equipment, add personal training studio, and launch 6-month marketing blitz.

The Results

  • Membership up 180% vs lockdown
  • Added 12 new PT clients per month
  • £55,000 additional annual revenue
  • Repaid in 9 months
  • Now back above pre-pandemic levels
Monthly Turnover
£38,000
Repayment Term
9 months
Funding Amount
£42,000

"We were competing with Peloton and home gyms. This funding let us offer something they can't - human connection and professional equipment. Membership is higher than before COVID."

T
Tom W.
Gym Owner, FitZone Gym

The Artisan Bakehouse

Edinburgh
Food & Beverage
£15,000
Funded

The Challenge

Opportunity to supply 3 local coffee chains but needed commercial oven upgrade to meet production volume.

The Solution

£15,000 advance approved based on existing cafe sales. Installed new oven and hired part-time baker for wholesale production.

The Results

  • Secured 3 wholesale contracts
  • £8,000 monthly wholesale revenue
  • Retail sales maintained
  • Hired 2 additional staff
  • Exploring 5 more wholesale clients
Monthly Turnover
£19,000
Repayment Term
8 months
Funding Amount
£15,000

"Missing that opportunity would have haunted me. MerchantSwitch made it happen fast enough that we didn't lose the contracts. Now we're a legitimate wholesale operation."

C
Claire S.
Head Baker & Owner, The Artisan Bakehouse

The Crown & Anchor

Newcastle
Pub & Bar
£22,000
Funded

The Challenge

Needed to pivot to food-led model after nearby nightclub opened. Required kitchen equipment and chef recruitment.

The Solution

£22,000 funding for commercial kitchen setup, chef recruitment, and 3-month food menu marketing campaign.

The Results

  • Food now 60% of revenue (was 15%)
  • Attracted family and dinner crowd
  • £31,000 additional monthly revenue
  • Competitive advantage established
  • Nightclub closure didn't affect us
Monthly Turnover
£28,000
Repayment Term
9 months
Funding Amount
£22,000

"We had to adapt or die. This funding transformed us from a drinks pub to a proper restaurant-pub. When the nightclub closed 6 months later, we'd already pivoted successfully."

A
Andrew G.
Publican, The Crown & Anchor

Bloom & Petals

Glasgow
Retail & Events
£9,500
Funded

The Challenge

Wedding season approaching but largest supplier went bankrupt. Needed deposits for new suppliers quickly.

The Solution

£9,500 emergency funding to secure alternative suppliers and fulfill existing wedding orders.

The Results

  • Fulfilled all 23 wedding bookings
  • Found better suppliers than original
  • £7,000 saved annually on flower costs
  • Zero weddings cancelled
  • Reputation intact
Monthly Turnover
£12,000
Repayment Term
7 months
Funding Amount
£9,500

"The supplier bankruptcy happened 4 weeks before wedding season. MerchantSwitch funded us in 36 hours. Saved our business and our reputation."

E
Emma L.
Florist & Events Manager, Bloom & Petals

HealthFirst Pharmacy

Cardiff
Healthcare Retail
£31,000
Funded

The Challenge

NHS payment delays causing cash flow crisis. Needed working capital to cover staff wages and supplier invoices.

The Solution

£31,000 bridging funding based on strong retail sales. Covered 8 weeks operating costs while NHS payments processed.

The Results

  • No staff payment delays
  • All supplier relationships maintained
  • Added evening consultation services
  • NHS payments eventually received
  • Business continuity preserved
Monthly Turnover
£38,000
Repayment Term
6 months
Funding Amount
£31,000

"NHS payment delays aren't our fault but threatened our business. MerchantSwitch understood healthcare industry challenges and funded us fast. Lifesaver."

R
Raj P.
Pharmacist Owner, HealthFirst Pharmacy

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