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Merchant Cash Advance

Fast, flexible funding that moves with your business — repayments tied to your card sales, not fixed monthly instalments.

Discuss Your Funding
Merchant cash advance for business cash flow

Flexible funding that moves with you

A fast, flexible funding option designed for companies that process card payments and need access to working capital without the rigidity of traditional bank loans.

  • No fixed monthly repayments — pay as you trade
  • Repayments adjust in line with your business performance
  • Ideal for businesses with variable or seasonal cash flow

What is a Merchant Cash Advance?

  • A short-term, unsecured business funding solution
  • Repayments made as a percentage of future debit and credit card sales
  • No traditional interest rate (APR) structure — one fixed agreed fee
  • When business is slower, you repay less; when sales increase, repayments increase

How it works

01

Funding based on turnover

Your business qualifies based on card sales, typically a minimum of around €10,000 per month.

02

Receive upfront capital

Access funding typically ranging from €10,000 to €250,000, depending on your turnover.

03

Flexible repayments

A small agreed percentage (usually 5%-15%) of daily card sales is automatically deducted.

04

Repay as you trade

When business is slower, you repay less. When sales increase, repayments increase — protecting your cash flow.

How we support your business

A fully managed brokerage service, ensuring you secure the right funding quickly and efficiently.

Funding strategy & assessment

Assess your turnover, cash flow, and funding requirements. Identify the most suitable revenue-based finance structure. Compare options across multiple MCA providers.

Access to specialist lenders

We work with leading merchant cash advance providers, alternative SME funders, and revenue-based finance specialists — securing fast approvals and competitive structures, even where banks may decline.

Fast application & approval

Minimal documentation required. No requirement for property security. Decisions often within 24 hours.

Ongoing support

Assist with top-ups or repeat funding. Monitor repayment performance. Support transition to longer-term finance if needed.

Typical merchant cash advance features

Funding Amount

€10,000 - €250,000+

Repayment

Percentage of daily card sales

Term

Typically 6-12 months (flexible)

Security

Unsecured — no property required

Speed

Approval within 24-48 hours

Cost

One fixed agreed fee (no APR structure)

Who it's suitable for

  • Retail, hospitality, and leisure businesses
  • Restaurants, cafes, and pubs
  • E-commerce and online businesses
  • Service businesses with strong card turnover

Why choose KeyStone

  • Access to leading Irish and UK MCA providers
  • Fast turnaround for time-sensitive funding needs
  • No property security required
  • Flexible repayments aligned to your revenue
  • Expert guidance beyond traditional bank lending

Our process

01

Initial review

Understand your turnover and funding needs.

02

Funding options

Compare suitable MCA providers.

03

Approval

Fast decision with minimal paperwork.

04

Funding

Receive capital quickly, often within days.

05

Repayment

Automatic deductions based on your sales.

Need fast, flexible funding?

If your business needs working capital without the burden of fixed repayments, we can help.

Let's Talk