REVENUE-BASED FINANCE
Turn your future card sales into immediate working capital.
No fixed monthly repayments. No property collateral. Access up to 150% of your average monthly card turnover with a flexible, pay-as-you-earn model.
What is Merchant Cash Advance?
Waiting weeks for a high-street bank to approve a loan can stall your momentum when you need to fund inventory, buy stock, or manage cash flow. Merchant Cash Advance (MCA)—also known as a business cash advance—is a fast, modern alternative to standard debt. It is designed specifically for businesses that receive a healthy portion of their revenue through credit card terminals, card readers, or online checkouts (such as Clover, SumUp, Stripe, or Worldpay).
Unlike a traditional commercial bank loan, MCA is not a debt with rigid monthly installments or compound interest. Instead, a lender buys a set portion of your future card revenue by advancing you a lump sum of cash upfront. You pay the advance back automatically as a small, pre-agreed percentage of your daily sales. You pay it back naturally, at source, as customers buy from you.
Why Choose MCA?
Repayments That Breathe with Your Cash Flow
Repayments are calculated as a fixed percentage of each card transaction (typically 5% to 15%). Because the repayment adjusts dynamically with your revenue, you are never squeezed during seasonal dips. If you have a busy weekend or high-volume sales, you repay faster; if business slows down, your daily repayment automatically drops, giving you breathing room without penalty.
No Hard Assets or Property Pledges
Traditional loans force you to pledge physical collateral, like your commercial premises or family home, to secure funding. Because MCA is completely unsecured, it is the perfect financing option for companies with few physical assets or limited credit history that still maintain strong, consistent card volumes. Your future card transactions act as your security.
Automatic, At-Source Settlement
You never have to worry about manual bank transfers, direct debits, or managing repayment schedules. The lender works directly behind the scenes with your card terminal processor (acquiring partner). When a customer taps or pays online, the processor automatically routes the agreed percentage directly to the lender, while depositing the rest into your merchant account. It is seamless, hands-free, and handles itself.
No APR Volatility or Hidden Charges
Bank overdrafts and variable-rate loans expose you to fluctuating interest rates and late-payment penalties. MCA does away with that volatility entirely. There is no APR. Instead, you agree on a single, flat “factor fee” at the start (usually between 1.07 and 1.35). For example, if you borrow €10,000 at a factor rate of 1.20, your total repayment amount is locked at €12,000. That cost never increases, no matter how long it takes you to repay.
Approved in Under 24 Hours
Because alternative underwriters look at your live, digital transaction data rather than dusty, outdated business plans, the approval process is exceptionally fast. Over 90% of qualified applications are approved, with funds frequently landing in your account the same afternoon.
Is This Right for Your Business?
MCA is highly popular across Irish retail, pubs, restaurants, hair and beauty salons, hotels, and direct-to-consumer e-commerce brands. If your business averages at least €5,000 per month in card or online sales, has been actively trading for 3 to 6 months, and is legally incorporated, you are highly eligible for an advance.