Using a Merchant Cash Advance to Stock Up for Christmas
  • Home
  • Blog
  • Using a Merchant Cash Advance to Stock Up for Christmas

Using a Merchant Cash Advance to Stock Up for Christmas

If you haven’t noticed, Christmas is just around the corner, and businesses unprepared for the seasonal rush may lose golden sales opportunities to their competitors. If your business needs additional financing to help you stock up in advance, but your prospects of a bank loan are limited due to poor credit or lack of collateral, a merchant cash advance may be what you’re looking for to stock up for Christmas.

Merchant cash advances allow you to repay based upon a percentage of your daily credit card sales, making them ideal for restaurants, bars and shops whose sales fluctuate. With no fixed payments or due dates, merchant cash advances offer a flexible alternative to traditional loans. So, how should you prepare for the festive season once you’ve got that cash advance? Here are a few handy suggestions.

Pubs and Bars

It’s no secret that everyone enjoys an extra tipple during Yuletide festivities, so you need to make sure your licensed premises are fully stocked in preparation. Last year, over 10 million extra alcoholic drinks were ordered over the Christmas and New Year period, with more than half of those being spirits.

Once you’ve ordered in your extra supplies, conjure up some creative Christmas cocktails to put punters in a festive mood. Premium whiskeys and other spirits are also popular choices and with customers looking to splash out on friends and family, you should also have enough champagne on hand to ensure your customers stay bubbly and don’t fizzle out.


Christmas is also the busiest time of the year for restaurants so that means stocking up with extra food and drink supplies, and ensuring you have enough extra staff to cope with demand. As well as your regular menu, you should also create a special Christmas selection, using fresh seasonal ingredients. And as it’s the season for giving, your menu should include a complementary bottle of wine or champagne for larger group bookings.

You may also require cash in advance to buy advertising and promote your restaurant prior to Christmas bookings. Update your business website with seasonal promotions, and consider printing flyers to target local businesses planning staff Christmas dinners.

Retail Shops

Until recently, Christmas shoppers had little choice but to buy early or brave the last-minute crowds on their local high street. These days, however, many people choose to avoid the crush by purchasing gifts and extra shopping online. This means traditional retailers have to plan their Christmas campaigns even earlier and promote effectively to lure people away from their desks and back into the shops.

Consider a seasonal retail campaign in stages to reward early birds and sway those inevitable last-minute shoppers. Christmas promotions like 3 for 2 offers and other discounts will help draw customers, as will creating in-store events such as charity auctions that encourage a seasonal community spirit.

Whatever your business needs, using a merchant cash advance to stock up will help you to have the merriest Christmas ever.