← All businessesFinancial Services / Fintech & Payments / Payments & merchant services
Card Payment And Merchant Services Provider In Inverness
Inverness, Highland, ScotlandIdentity protected
Available
About this business
This Inverness business supplies card terminals and payment processing to shops, cafés, hotels and tradespeople across the Highlands, earning a share of the transaction fees for as long as each merchant stays. It has traded since 2014 from a leased city-centre office with a team of four, who handle sales, set-up and support. Turnover has risen gently to £550k and adjusted EBITDA has grown faster, to £157k, as the base of merchants has built up. A buyer takes on recurring income from local merchants and a small team that knows them.
Key investment highlights
- Recurring income from transaction fees
- Adjusted EBITDA up from £126k to £157k
- Leased office in central Inverness
- Team of four covering sales and support
Reason for sale
The owner is retiring and would like the merchants looked after by a buyer who knows the area.
Nothing flagged on the two questions buyers ask first
No flagRevenue going backwards and one client being too much of it are the two things that end most deals in due diligence. Both are shown here up front, from the figures the seller supplied.
- Revenue directionNo flag
Turnover rose +2.6% in 2026.
- 2021: baseline
- 2022 (+1.2%)
- 2023 (+3.9%)
- 2024 (-0.9%)
- 2025 (+1.5%)
- 2026 (+2.6%)
6 years of turnover, 2021 to 2026, as supplied by the seller.
- Client concentrationNot stated
The seller has not declared what share of revenue the largest clients represent.
No declaration supplied. Client concentration cannot be derived from accounts.
EBITDA margin widened from 24.9% in 2021 to 28.5% in 2026.
These are observations from the supplied figures, not a view on whether this business is worth buying. Nothing here predicts an outcome.
Computing valuation...
What happens next
Submit an enquiry to the seller. Once they approve it, you sign a non-disclosure agreement and gain access to the information memorandum, the financials and a secure deal room with the seller.