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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.

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Learn More About Merchant Cash Advancing

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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.

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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.
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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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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.
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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.