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Remote Merchant Services Business With Welsh Clients, Swansea
Swansea, Swansea, WalesIdentity protected
Available
About this business
Run from Swansea since 2023 with no premises, this business arranges card processing, online payment pages and terminals for small Welsh businesses, from salons to garages. Four people run it, working from home and visiting clients when needed. Turnover has drifted down from £708k to £640k, but adjusted EBITDA has held at around £166k because costs fell too. A buyer would get a steady, profitable book and a clear job: win new merchants to replace those that leave. It could be run from anywhere.
Key investment highlights
- Adjusted EBITDA steady at about £166k
- Four staff working from home
- Net profit of £136k
- No premises to take on
Reason for sale
The owner wants to focus on a software business she also runs.
Read this before you enquire
MaterialRevenue 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 directionMaterial
Turnover has fallen in each of the last 3 years, most recently by -2.1%.
- 2023: baseline
- 2024 (-4.2%)
- 2025 (-3.5%)
- 2026 (-2.1%)
- Peak 2023 to latest 2026: -9.6%
4 years of turnover, 2023 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 24.2% in 2023 to 25.9% 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.