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Flexible Merchant Cash Advance Solutions for Ireland-Based Businesses

Get fast, flexible funding to grow your business. No traditional loans, no red tape.

  • No credit checks required
  • No collateral needed
  • Cash in your account in as little as 3 hours
  • Borrowing may be up to 100% of your debit and credit card sales, up to the maximum value of €1 million

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Secure Business Funding in Days with a Merchant Cash Advance

Running a business in Ireland? Are you looking for a fast, stress-free way to secure working capital, without taking on a traditional bank loan?

A Merchant Cash Advance (MCA) gives your business the freedom to grow on your terms. If your business takes payments through a card machine or online, we can offer you upfront funding that’s repaid as a small percentage of your daily card sales.

Unlike conventional loans with rigid monthly payments, an MCA flexes with your business performance. Whether you’re expanding, managing cash flow, or covering tax or stock costs, this solution puts you in control.

Arrange Your Funding Today

Learn More About Merchant Cash Advancing

Arrange Your Funding Today

What is a Merchant Cash Advance?

A Merchant Cash Advance is a smart alternative to traditional business lending, especially for businesses in Ireland and the UK that process card transactions regularly.

Here’s how it works:

  1. You receive a lump sum of funding based on your average monthly card sales.
  2. Instead of fixed repayments, you repay automatically through a small percentage of your daily card takings.
  3. On busy days, you repay more. On quieter days, less. If you make no sales, you make no repayment.

This structure makes MCAs particularly useful for seasonal businesses or those with variable monthly income.

Merchant Cash Advance_ Your Guide to Direct Lenders
Businessman taking a loan

No late fees. No hidden costs. No stress.

It’s funding that adapts to the rhythm of your business, helping you cover expenses, invest in growth, or bridge financial gaps without the rigid structure of a standard loan.

Why Choose Us for Your Merchant Cash Advance?

With over 20 years of combined experience supporting SMEs across Ireland and the UK, we specialise in fast, flexible finance that works with your business, not against it.

When you choose us, you get:

Tailored Solutions

Funding designed for Irish businesses of all sizes

Borrowing Based on Your Sales

Could be up to 100% of all credit and debit sales, up to €1 million

95% Approval Rate

We say “yes” when banks say “no”

Decisions within 24 hours

Receive funding within as little as 3 hours

Transparent Terms

No hidden fees or confusing jargon

Dedicated Support

Real people, real service
We’re not just lenders, we are your funding partner.
Arrange Your Funding Today

Who is Eligible for a Merchant Cash Advance?

We work with startups, established SMEs, and everything in between. If you’re trading in Ireland or the UK and accepting card payments, there’s a good chance we can help.

Basic eligibility requirements:

  • Minimum of 4–6 months trading history
  • At least €10,000 per month in card or online transactions
  • Use of a card machine or an online payment system
  • Not currently repaying another MCA

Even if you have bad credit, you may still qualify. Our focus is on your business’s current performance, not your credit history.

Making a card transaction
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 Saman Hassan profile picture 
 
 
 Saman Hassan 
 
6 June 2026
 
 
 Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google. 
I managed to secure funding for my business through Mohammed on monthly repayment terms and the service was excellent from start to finish. Mohammed was professional, responsive and genuinely helpful throughout the whole process. He took the time to understand what I needed, kept me informed at every stage and made everything feel straightforward and stress free. What impressed me most was how approachable and committed he was. Nothing seemed too much trouble and he always came back to me promptly whenever I had a question. It is refreshing to deal with someone who combines professionalism with a genuinely caring approach. I am very grateful for his support and would not hesitate to recommend him to anyone looking for business finance. Thank you, Mohammed, for all your help. It was a pleasure working with you.
  
 
  
 
 
 
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 Anita Kaur profile picture 
 
 
 Anita Kaur 
 
26 May 2026
 
 
 Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google. 
I’m a small business owner and needed funds to grow the company. And with divine intervention, I came across Mohammad who saved the day! He was calm, reassuring and extremely helpful and knowledgeable. Mohammad was highly professional and put me at ease straight away. Made the whole process simple and straightforward which I really appreciated. Within those few hours of our initial conversation, Mohammad managed to secure me a loan extremely quickly. I can’t thank him enough for his dedication and will 100% be returning to him in the future. Thank you Mohammad! ⭐️
  
 
  
 
 
 
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 JJ_n_TY Chitiyo profile picture 
 
 
 JJ_n_TY Chitiyo 
 
22 May 2026
 
 
 Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google. 
Was recently recommended to Mohammad by a friend for a business loan and the experience was excellent. Very quick responses, efficient service and everything moved much faster than expected. He managed to arrange multiple offers which gave me a choice to pick the best fit for my business needs. The whole process felt straightforward and hassle-free. Reliable service and definitely someone I’d recommend to others. Regards, GOLDEN SQUARE HEALTHCARE LIMITED
  
 
  
 
 
 
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 Brenda Chikosha profile picture 
 
 
 Brenda Chikosha 
 
25 April 2026
 
 
 Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google. 
My first time using their service. Mohammed has been great in getting a business loan for us when no one else could. We’re so grateful. Very quick process. Will use him again 🙏.
  
 
  
 
 
 
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 Caphas Chisangowerota profile picture 
 
 
 Caphas Chisangowerota 
 
22 April 2026
 
 
 Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google. 
Big thanks to AptPay and Mohammad for helping us secure funding for our care home. We were struggling with delayed council payments while needing to pay staff on time. After trying many lenders without success, they stepped in and delivered quickly. We ended up taking a short-term loan, which actually worked perfectly for our needs. Great service, fast response, and very understanding of real business challenges.
  
 
  
 
 
 
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 MUHAMMAD ZAMAN WARRAICH profile picture 
 
 
 MUHAMMAD ZAMAN WARRAICH 
 
17 April 2026
 
 
 Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google. 
My business is based in Dublin, Ireland, and Mohammad helped me secure a business loan from London. The whole process was smooth and easier than I expected. He took the time to understand my situation, explained everything clearly, and kept me updated throughout. I always felt like I knew what was going on, which made a big difference. Thanks to his support, I was able to get the funding I needed and keep my business moving forward. I’d definitely recommend him to anyone looking for reliable help with business finance.
  
 
  
 
 
 
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 Robin Sharma profile picture 
 
 
 Robin Sharma 
 
14 April 2026
 
 
 Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google. 
We run Avatar Group Ltd, managing restaurants and hotels in Shrewsbury, and like any business, there have been moments where the right support really mattered. Mohammad came through for us at exactly the right time. He helped arrange £300K in funding, and honestly, that gave us the push and stability we needed to keep things moving forward. What stood out was how easy he was to deal with — no complications, no pressure, just clear communication and someone who actually understood what we needed. We’re genuinely thankful for his support. It made a real difference to us and the business.
  
 
  
 
 
 
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 isaac ogundiran profile picture 
 
 
 isaac ogundiran 
 
10 April 2026
 
 
 Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google. 
I run a wholesale business based in Glasgow, regularly buying stock in bulk from overseas, so cash flow is always key. I was introduced to Mohammad through a friend’s recommendation, and I’m really glad I reached out. He acted quickly and made the whole process smooth and straightforward. What stood out most is that he’s available 7 days a week it genuinely feels like he’s working alongside me, his customer service s is top notch 👌 Really appreciate the support. He helped me secure the business loan I needed without stress. Highly recommended.
  
 
  
 
 
 
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 Rebwar profile picture 
 
 
 Rebwar 
 
24 March 2026
 
 
 Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google. 
Needed funding. Mohammad delivered. Business advance secured. Excellent service. Highly recommended.

Key Benefits of a Merchant Cash Advance

Quick Access to Capital

Funds in your account in as little as 3 hours

Flexible Repayments

Based on your card sales, not fixed amounts

No Collateral Needed

Unsecured finance for your peace of mind

Improved Cash Flow

Smooth over slow seasons or late payments

Ideal for Seasonal Businesses

Repayments slow down when sales do

No Business Plan Required

Hassle-free application process

How to Apply: Our 3-Step Process

We’ve made getting funded as easy as tapping your card machine.

Step 1: Apply Online

Fill out our quick form with basic info about your business and average card sales.

Step 2: Get an Offer

Our funding specialists will review your application and contact you with a tailored offer, often within hours.

Step 3: Get Funded Fast

Once approved, funds are transferred to your business account within as little as 3 hours.
It’s fast. It’s flexible. It’s built for Irish businesses.
Arrange Your Funding Today

Speedy Funding for Your Business Needs

We’ve eliminated the red tape to make business financing faster and easier.

  • Fast Approvals: Many applicants receive a decision the same day.
  • Lightning-Fast Payouts: Get your money in as little as three hours post-approval, depending on conditions.

Whether it’s an urgent payment or a time-sensitive investment, we’ve got you covered.

Apply Now for Your Merchant Cash Advance

Take control of your business funding today with a flexible solution designed for real-world challenges.

  • Quick approval
  • No credit checks
  • No collateral
  • Cash in your account in 3 hours
Arrange Your Funding Today
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FAQ

What’s the difference between an MCA and a business loan?
An MCA isn’t a loan. It’s an advanced repayment via a percentage of your card sales. No fixed terms. No interest. Just flexible repayments that fit your revenue.
How quickly can I get the money?
Most businesses are approved within 24 hours. Funds are typically deposited within 3 hours of approval.
Do you check my credit score?
Not always. We focus on your card sales and turnover, not your credit history.
Can I apply as a startup?
Yes, if you’ve been trading for at least 4–6 months and meet the card sales threshold.
What are the repayment terms?
There’s no fixed term. Repayments happen automatically through a small percentage of your daily sales. You pay more when you sell more, and less when things are quiet.