Flexible finance tied to your card sales.
A Merchant Cash Advance gives your business a lump sum of capital in exchange for a percentage of future card sales. No fixed monthly repayments, no collateral, and funds typically available within 24–48 hours of approval.
24–48 hrs
Typical time from approval to funds in your account
No collateral
Unsecured — no property or assets required
Repay as you earn
Repayments flex with your card sales volume
Minimal paperwork
Based on your card sales history, not a traditional credit application
What is a Merchant Cash Advance?
A Merchant Cash Advance is a form of business funding where a lender provides you with a lump sum upfront, and you repay it as a fixed percentage of your daily or weekly card transaction receipts — not as a set monthly payment.
Because repayments move with your sales, you pay back more in busier periods and less when things are quiet. This makes it very different from a bank loan with a fixed repayment schedule — your cash flow isn't strained during slow months.
It's particularly well suited to businesses with consistent card transaction volume: restaurants, retailers, salons, hotels, and similar. Approval is based primarily on your card sales history rather than a full credit assessment.
MCA vs traditional bank loan
How it works
Step 1
Apply online
Submit your application with basic business details and your recent card sales data. The process is straightforward and paperwork is minimal.
Step 2
Get approved
Approval is based on your card sales history. Most decisions come back within hours — typically the same business day.
Step 3
Receive your funds
Once approved, a lump sum is deposited directly into your business account — usually within 24 to 48 hours.
Step 4
Repay as you earn
A fixed percentage of your daily or weekly card receipts is collected automatically toward repayment. Busy periods repay faster; quieter periods repay less — your cash flow stays protected.
What businesses use it for
A Merchant Cash Advance gives you working capital on your terms — no restrictions on how you use the funds.
Stock & inventory
Buy stock ahead of a busy season without draining your cash reserves.
Equipment
Upgrade or replace equipment without a large upfront outlay.
Renovations
Refurbish your premises to improve footfall and customer experience.
Marketing
Invest in a campaign or promotion to drive more revenue.
Hiring staff
Cover the cost of bringing on extra people during a growth phase.
Bridging cash flow
Smooth out seasonal dips or cover a gap while waiting on payments.
Expanding
Open a new location or move to bigger premises.
Unexpected costs
Handle an unexpected bill without disrupting your operations.
Who qualifies?
Eligibility is primarily based on your card sales history — not a traditional credit score. If your business takes regular card payments, you're likely a good candidate.
Business types
Common questions
Need quick access to working capital?
Get in touch and we'll assess what's available for your business based on your card sales history — no commitment required.
Or call / WhatsApp: +353 1 420 0816