Top 10 Merchant Cash Advance Companies in Ireland
.png)
Top 10 Merchant Cash Advance Companies in Ireland
If your business takes card payments and you need fast access to funding without fixed monthly repayments, a merchant cash advance can be one of the most flexible options in Ireland. This guide focuses on companies with live Ireland-facing merchant cash advance, business cash advance, merchant business funding, or revenue-based finance pages. For consistency with your preferred formatting, euro-denominated figures are shown in £ using the ECB euro to pound reference rate for 31 March 2026. Because merchant cash advances are usually priced as a fixed fee, a revenue share, or a sales-linked funding cost rather than a standard APR, the comparison below focuses on funding ranges, speed, eligibility, and repayment structure.
| 1 | 365 Finance Ireland | 365 Finance Ireland has one of the clearest dedicated merchant cash advance pages in Ireland, with funding from €10,000 to €250,000 and no APR or fixed terms. | £8,700–£217,100; No APR, sales-linked repayments; 24h approval |
| 2 | Linked Finance | Linked Finance offers merchant cash advance financing for Irish SMEs from €10,000 over terms of up to 12 months. | £8,700–Unknown; Merchant cash advance pricing; Up to 12 months |
| 3 | YouLend | YouLend offers flexible merchant funding in Ireland from €1,000 to €1,000,000 with one flat fee and repayments linked to daily sales. | £900–£868,300; Flat fee from 3%; No fixed term |
| 4 | APT Payment | APT Payment has a dedicated Ireland MCA page offering fast flexible funding for card-based businesses, with borrowing up to €1 million and funding in as little as 3 hours. | Unknown–£868,300; No hidden costs, no traditional loan structure; As little as 3 hours after approval |
| 5 | Paymentplus PlusAdvance | Paymentplus PlusAdvance promotes merchant business funding with flexible repayments and decisions in as little as 24 hours. | Unknown–Unknown; Percentage of daily sales; Decisions in as little as 24 hours |
| 6 | Liberis via Elavon | Elavon’s Liberis business funding page gives Irish merchants access to unsecured business cash advances with one fixed cost and repayments taken from card sales. | Unknown–Unknown; One fixed cost plus revenue share; No fixed term |
| 7 | Santiago SME Finance | Santiago SME Finance offers digital merchant advance loans for Irish SMEs, with 24-hour decisions and funding aimed at immediate cash flow needs. | Unknown–£434,200; Merchant advance pricing; Decision within 24 hours |
| 8 | Flurish Flexi | Flurish Flexi Loans are revenue-based loans for Irish businesses, with repayments that adjust to cash flow and amounts from €25,000 to €150,000. | £21,700–£130,200; Revenue-based pricing; 3–18 months |
| 9 | Cap Funding | Cap Funding positions itself as a flexible revenue-based finance provider for Irish businesses, with fast decisions and clear costs. | Unknown–Unknown; Revenue-based finance; Flexible term |
| 10 | GRID Finance | GRID Finance offers pay-as-you-earn flexible funding for Irish card-taking businesses, with approvals in 48 hours and funding up to €500,000. | £8,700–£434,200; Revenue-linked pricing; Up to 12 months per facility |
1. 365 Finance Ireland
365 Finance Ireland ranks first because it has one of the clearest dedicated merchant cash advance pages in the Irish market. Its live page says eligible businesses can raise between €10,000 and €250,000, converted here to about £8,700 to £217,100, with no APR, no fixed terms, and repayments taken as a small percentage of future credit and debit card sales. The page also says applications can be approved within 24 hours and positions the product as an affordable and flexible alternative to a bank loan for Irish SMEs, especially in hospitality, retail, and leisure.
Loan Details
- Min Amount: £8,700
- Max Amount: £217,100
- Pricing: No APR, no fixed terms; repayments via a percentage of card sales, typically 5% to 15%
- Funding Speed: Approval within 24 hours; funding in days ⌛
Services & Industries
- Finance Types: Merchant cash advance, business cash advance, revenue-based finance
- Industries: Hospitality, retail, leisure, and other card-taking SMEs in Ireland
Pros
- Very clear dedicated Irish MCA page
- No APR or fixed monthly repayments
- Current funding range is clearly published
- 24-hour approval is strong for urgent cash flow needs
Cons
- Only really fits businesses with steady card sales
- No standard APR makes comparisons harder
- Not a conventional fixed-term loan
- Total cost still depends on the offer and repayment pace
2. Linked Finance
Linked Finance ranks second because it explicitly markets merchant cash advance financing for Irish SMEs on a live product page. Its page says loans start at €10,000, converted here to about £8,700, with terms of up to 12 months. Linked Finance also says MCA funding can be used to improve cash flow, buy stock, hire staff, upgrade equipment, and improve premises. That makes it one of the strongest Irish alternatives for SMEs that want a direct MCA-style product rather than a more loosely described revenue-based facility.
Loan Details
- Min Amount: £8,700
- Max Amount: Unknown
- Pricing: Merchant cash advance pricing, quote-led
- Loan Duration: Up to 12 months ⌛
Services & Industries
- Finance Types: Merchant cash advance financing, business loans, BillPay
- Industries: Irish SMEs, stock-led businesses, service firms, growth businesses
Pros
- Dedicated MCA page for Irish SMEs
- Fast digital-first lending approach
- Useful for short-term cash flow and stock needs
- Clear maximum term on the product page
Cons
- Public maximum amount is not shown on the product page
- Quote-led pricing is less transparent than a flat-fee offer
- Not ideal for businesses wanting long-term repayment periods
- MCA product detail is lighter than 365 Finance
Sources: Merchant Cash Advance Financing
3. YouLend
YouLend is one of the largest merchant-funding brands serving Ireland and ranks highly for scale and clarity. Its Ireland merchant page says businesses can get funding from €1,000 to €1,000,000, converted here to about £900 to £868,300, with one flat fee from as little as 3%. Repayments are taken as a fixed percentage of daily sales, which makes the product particularly attractive to merchants with strong card or online transaction volumes who want funding that flexes with business performance.
Loan Details
- Min Amount: £900
- Max Amount: £868,300
- Pricing: One flat fee from 3%; repayments as a fixed percentage of daily sales
- Loan Duration: No fixed term ⌛
Services & Industries
- Finance Types: Merchant funding, revenue-linked funding, embedded finance
- Industries: Retail, ecommerce, hospitality, service businesses, card-based merchants
Pros
- Very broad funding range
- Flat-fee model is simple to understand
- Fast funding path for card-based businesses
- Repayments flex with daily sales
Cons
- No standard APR
- Best suited to businesses with strong sales data
- No fixed term may not suit every borrower
- Harder to compare with conventional term loans
Sources: Ireland Merchants
4. APT Payment
APT Payment deserves a high place because it has a dedicated Ireland MCA page with unusually strong speed claims. The page says borrowing may be up to 100% of debit and credit card sales, up to a maximum of €1 million, with decisions within 24 hours and funding in as little as 3 hours after approval. It also says there are no credit checks required, no collateral needed, and that the product is built for Ireland-based businesses that accept card or online payments.
Loan Details
- Min Amount: Unknown
- Max Amount: £868,300
- Pricing: No hidden costs; repayments linked to daily card sales
- Funding Speed: Decision within 24 hours; funds in as little as 3 hours ⌛
Services & Industries
- Finance Types: Merchant cash advance
- Industries: Ireland-based card and online payment businesses, seasonal and sales-variable firms
Pros
- Dedicated Ireland merchant cash advance page
- Very fast stated payout timeline
- No collateral required
- High maximum funding figure
Cons
- Public minimum amount is not clearly stated
- No standard APR or fee matrix
- Best suited to businesses with meaningful card sales
- Not a conventional bank-style product
Sources: Merchant Cash Advance Ireland
5. Paymentplus PlusAdvance
Paymentplus PlusAdvance is a useful merchant-business-funding option for Irish businesses that already work with payment solutions and want a simple route into flexible funding. Its live page says repayments are made as a percentage of daily sales, approvals can happen in as little as 24 hours, and the funding can be used for inventory, renovation, expansion, equipment upgrades, and marketing. Even though it does not publish a public funding range, the product is clearly designed around the merchant cash advance model.
Loan Details
- Min Amount: Unknown
- Max Amount: Unknown
- Pricing: Repayments as a percentage of daily sales
- Funding Speed: Decisions in as little as 24 hours ⌛
Services & Industries
- Finance Types: Merchant business funding
- Industries: Irish merchants, retailers, hospitality and service businesses using card payments
Pros
- Clear merchant business funding offer on a live Irish page
- Flexible repayments are easy to understand
- Fast decisions are promoted
- Useful for stock, renovation, and growth funding
Cons
- No public amount range
- Less detailed than the top MCA specialists
- No public standard cost example
- Best-fit pricing requires an application
Sources: PlusAdvance
6. Liberis via Elavon
Liberis via Elavon makes the list because it gives Irish merchants a clear, official route into business cash advances. Elavon’s live Irish page says the advance is unsecured, based on card transactions and business potential, and includes just one fixed cost agreed up front. Repayments are taken as a pre-agreed percentage of daily card transactions, and there is no set period to pay the advance off because payments mirror cash flow. Eligibility on the page begins at 10 credit or debit card transactions totalling €3,000 on average per month, with ideally more than 4 months trading with Elavon.
Loan Details
- Min Amount: Quote-led
- Max Amount: Quote-led
- Pricing: One fixed cost plus a pre-agreed percentage of daily card takings
- Loan Duration: No fixed term ⌛
Services & Industries
- Finance Types: Business cash advance
- Industries: Elavon merchants, card-taking SMEs, seasonal and turnover-led businesses
Pros
- Strong official Irish merchant route through Elavon
- Fixed-cost model gives upfront clarity on total cost
- No fixed repayment term
- Unsecured structure is clearly explained
Cons
- Funding amount is quote-led rather than publicly published
- Most relevant to Elavon merchants
- Not a conventional loan product
- Personal guarantees may apply for limited companies or LLPs
Sources: Liberis Business Funding
7. Santiago SME Finance
Santiago SME Finance is a newer Irish fintech that offers merchant advance loans through a fully digital process. Its merchant advance page says the whole loan process is online, applications take about 5 minutes, and a credit decision can be made within 24 hours once a complete application is received. Search results from the same domain also indicate merchant advance loans up to €500,000, converted here to about £434,200, which gives it a competitive top-end range for the Irish market.
Loan Details
- Min Amount: Quote-led
- Max Amount: £434,200
- Pricing: Merchant advance pricing, digital quote-led model
- Funding Speed: Credit decision within 24 hours ⌛
Services & Industries
- Finance Types: Merchant advance loans, unsecured business loans
- Industries: Irish SMEs with immediate cash flow needs and digital-first preferences
Pros
- Dedicated MCA page on an Irish SME finance site
- Digital application process is clearly described
- Fast decision timeline
- Competitive stated top-end amount in current search results
Cons
- Less public pricing detail than the top-ranked providers
- Funding range is not fully laid out on-page in parsed content
- Newer brand than longer-established rivals
- Merchants still need a tailored offer for real cost comparison
8. Flurish Flexi
Flurish Flexi is not labelled as a traditional MCA, but it clearly sits in the same revenue-based funding family and is relevant for Irish merchants comparing sales-linked funding options. Its Flexi Loan page says amounts range from €25,000 to €150,000, converted here to about £21,700 to £130,200, with flexible repayment terms from 3 to 18 months. The page also says repayments adjust to cash flow, which makes it attractive for businesses with variable income or strong card turnover.
Loan Details
- Min Amount: £21,700
- Max Amount: £130,200
- Pricing: Revenue-based pricing
- Loan Duration: 3 to 18 months ⌛
Services & Industries
- Finance Types: Flexi revenue-based loans, term loans
- Industries: Irish SMEs needing flexible repayments and shorter-term funding
Pros
- Clear published funding range
- Repayment terms are clearly stated
- Flexible cash-flow-based model
- Good fit for businesses that want more structure than an open-ended advance
Cons
- Not explicitly branded as a merchant cash advance
- Smaller top-end range than some rivals
- Pricing detail is still quote-led
- More niche than the top MCA specialists
Sources: Flexi Loan
9. Cap Funding
Cap Funding makes the list because it explicitly promotes flexible revenue-based finance for Irish businesses. Its homepage says it supports Irish businesses with fast decisions, clear costs, and local support, and positions the product as hassle-free funding without lengthy contracts or red tape. Public detail is lighter than the stronger-ranked MCA names above, but it is still a relevant Ireland-focused option for businesses comparing flexible card-sales-linked finance providers.
Loan Details
- Min Amount: Unknown
- Max Amount: Unknown
- Pricing: Revenue-based finance with clear costs
- Loan Duration: Flexible term ⌛
Services & Industries
- Finance Types: Revenue-based finance
- Industries: Irish SMEs needing flexible funding and local support
Pros
- Ireland-focused brand
- Clear positioning around revenue-based funding
- Fast decisions are part of the core offer
- Local support is part of the pitch
Cons
- Public amount range is not published
- Less transparent than the stronger-ranked providers
- Needs more product detail for easy comparison
- No public pricing example or fee illustration
Sources: Homepage
10. GRID Finance
GRID Finance rounds out the list because its current flexible funding pages and FAQs show a model that works much like a merchant cash advance. GRID’s B2C page says funding is available from €10,000 to €500,000, converted here to about £8,700 to £434,200, with repayments based on a percentage of daily card income, 48-hour approval, and renewals that can happen quickly for existing customers. While GRID does not market the core product under the MCA label as strongly as some others, the structure is clearly relevant for merchants and card-taking SMEs.
Loan Details
- Min Amount: £8,700
- Max Amount: £434,200
- Pricing: Revenue-linked pricing, repayments based on daily card income
- Loan Duration: Up to 12 months per facility; renewable ⌛
Services & Industries
- Finance Types: Flexible finance for B2C and B2B businesses, leasing
- Industries: Card-taking retailers, B2C firms, Irish SMEs with variable daily sales
Pros
- Large funding range for a sales-linked product
- 48-hour approval is competitive
- Repayments flex with income
- Good fit for merchants with fluctuating sales
Cons
- Not marketed as a classic MCA as directly as others above
- No standard APR or public flat-fee model
- Personal guarantees and other security may apply on some facilities
- Best-fit pricing still requires an application
Sources: B2C Flexible Finance FAQ
How to choose
Start by checking whether the company is offering a true merchant cash advance, a business cash advance, or a broader revenue-based funding product that works in a similar way. In Ireland, many providers use different labels for very similar sales-linked finance. The key things to compare are the minimum monthly card sales required, how quickly the funds can arrive, whether the provider charges a flat fee or another fixed cost, and whether repayments come from daily or monthly card transactions. You should also compare how much flexibility you get if your sales slow down, because that is one of the main reasons businesses use MCAs in the first place. For a broader explanation of how these products work, see merchant cash advance loans in Ireland.
Conclusion
365 Finance Ireland and Linked Finance stand out for having the clearest direct MCA-style product pages in the Irish market, while YouLend and APT Payment are strong alternatives if scale and fast access matter most. Paymentplus PlusAdvance and Liberis via Elavon are also useful if you want merchant-linked funding through payment ecosystem providers. Flurish, Cap Funding, and GRID Finance show that Irish businesses now have more revenue-based funding options than ever, even when those products are not always labelled as a classic merchant cash advance.
