Flexible Funding That Moves
With Your Card Sales
Access business funding based on your debit and credit card sales,
with repayments that automatically adjust in line with your trading performance.
When Businesses Use a Merchant Cash Advance
Why Businesses
Work With
Commercial Finance 123
Improve Cash Flow
Improve Cash Flow
Access additional working capital to help manage suppliers, payroll, operational costs, and day-to-day cash flow.
Access additional working capital to help manage suppliers, payroll, operational costs, and day-to-day cash flow.
Purchase Stock or Equipment
Purchase Stock or Equipment
Raise funding for new stock, equipment, vehicles, or other investments needed to support your business.
Raise funding for new stock, equipment, vehicles, or other investments needed to support your business.
Time-Sensitive Opportunities
Time-Sensitive Opportunities
Move quickly when an opportunity or unexpected business requirement cannot wait for a lengthy bank process.
Move quickly when an opportunity or unexpected business requirement cannot wait for a lengthy bank process.
Business Expansion
Business Expansion
Support growth plans including additional premises, recruitment, new products, or increased capacity.
Support growth plans including additional premises, recruitment, new products, or increased capacity.
Marketing & Growth
Marketing & Growth
Invest in advertising, marketing campaigns, and other initiatives designed to generate new business.
Invest in advertising, marketing campaigns, and other initiatives designed to generate new business.
Seasonal Cash Flow
Seasonal Cash Flow
Flexible repayments can help businesses manage periods where sales naturally rise and fall throughout the year.
Flexible repayments can help businesses manage periods where sales naturally rise and fall throughout the year.
About Merchant Cash Advance
Flexible Funding Linked To Your Business Sales
Flexible Funding Linked To Your Business Sales
A merchant cash advance provides businesses that take regular debit and credit card payments with access to funding based on recent card sales.
Instead of fixed monthly repayments, an agreed percentage of future card transactions is automatically used to repay the advance. When sales are lower, less is repaid; when sales increase, more is repaid.
At Commercial Finance 123, we help you assess whether this type of funding is suitable for your business and guide you through the process from initial discussion to completion.
A merchant cash advance provides businesses that take regular debit and credit card payments with access to funding based on recent card sales.
Instead of fixed monthly repayments, an agreed percentage of future card transactions is automatically used to repay the advance. When sales are lower, less is repaid; when sales increase, more is repaid.
At Commercial Finance 123, we help you assess whether this type of funding is suitable for your business and guide you through the process from initial discussion to completion.
How much capital does your business need?
Up to 15% of your card takings go towards loan repayment - never more than 15%.
€60,000
funding received
€100
for every card transaction
85% = €85
goes to your account
15% = €15
goes to the loan repayment
Recent Funding Examples
"We needed to refinance an existing debt position and required a funding structure that reflected the strength of the business. Sean took the time to understand the situation, presented the opportunity clearly to lenders, and helped secure a solution that provided greater certainty moving forward."
Managing Director, Hospitality Business
Commercial Property Funding
€7,000,000
"We were facing a tight deadline to refinance an existing bridging facility and needed a solution that worked for the business. Sean guided us through the process, secured competitive terms, and helped us replace expensive short-term funding with a more sustainable structure."
Director, Childcare Business
Commercial Property Funding
€2,500,000
"The transaction was time-sensitive and required funding to support a strategic land acquisition. Sean helped structure the funding efficiently, kept the process moving, and ensured we had the flexibility needed to progress the project as planned."
Property Investor
Bridging Loan
€2,000,000
"The acquisition involved both residential and retail units, so it was important to secure a funding structure that worked commercially from day one. Sean managed the process efficiently, helped position the proposal properly, and secured funding that allowed us to complete the transaction with confidence."
Property Investor
Commercial Investment Loan
€3,000,000
Recent Funding Examples
"We needed to refinance an existing debt position and required a funding structure that reflected the strength of the business. Sean took the time to understand the situation, presented the opportunity clearly to lenders, and helped secure a solution that provided greater certainty moving forward."
Managing Director, Hospitality Business
Commercial Property Funding
€7,000,000
"We were facing a tight deadline to refinance an existing bridging facility and needed a solution that worked for the business. Sean guided us through the process, secured competitive terms, and helped us replace expensive short-term funding with a more sustainable structure."
Director, Childcare Business
Commercial Property Funding
€2,500,000
"The transaction was time-sensitive and required funding to support a strategic land acquisition. Sean helped structure the funding efficiently, kept the process moving, and ensured we had the flexibility needed to progress the project as planned."
Property Investor
Bridging Loan
€2,000,000
"The acquisition involved both residential and retail units, so it was important to secure a funding structure that worked commercially from day one. Sean managed the process efficiently, helped position the proposal properly, and secured funding that allowed us to complete the transaction with confidence."
Property Investor
Commercial Investment Loan
€3,000,000
Recent Funding Examples
"We needed to refinance an existing debt position and required a funding structure that reflected the strength of the business. Sean took the time to understand the situation, presented the opportunity clearly to lenders, and helped secure a solution that provided greater certainty moving forward."
Managing Director, Hospitality Business
Commercial Property Funding
€7,000,000
Recent Funding Examples
"We needed to refinance an existing debt position and required a funding structure that reflected the strength of the business. Sean took the time to understand the situation, presented the opportunity clearly to lenders, and helped secure a solution that provided greater certainty moving forward."
Managing Director, Hospitality Business
Commercial Property Funding
€7,000,000
Frequently Asked Questions
What is a merchant cash advance and how does it work?
What is a merchant cash advance broker?
What are the eligibility requirements for a merchant cash advance in Ireland?
Which companies offer merchant cash advance services in Ireland?
How does a merchant cash advance compare to a traditional business loan?
Can I get a merchant cash advance with bad credit in Ireland?
Frequently Asked Questions
What is a merchant cash advance and how does it work?
What is a merchant cash advance broker?
What are the eligibility requirements for a merchant cash advance in Ireland?
Which companies offer merchant cash advance services in Ireland?
How does a merchant cash advance compare to a traditional business loan?
Can I get a merchant cash advance with bad credit in Ireland?
Frequently Asked Questions
What is a merchant cash advance and how does it work?
What is a merchant cash advance broker?
What are the eligibility requirements for a merchant cash advance in Ireland?
Which companies offer merchant cash advance services in Ireland?
How does a merchant cash advance compare to a traditional business loan?
Can I get a merchant cash advance with bad credit in Ireland?
Frequently Asked Questions
What is a merchant cash advance and how does it work?
What is a merchant cash advance broker?
What are the eligibility requirements for a merchant cash advance in Ireland?
Which companies offer merchant cash advance services in Ireland?
How does a merchant cash advance compare to a traditional business loan?
Can I get a merchant cash advance with bad credit in Ireland?
Discuss Your Cash Advance Options
If your business processes regular debit and credit card payments, we can help you understand whether a merchant cash advance could provide the flexibility you need.
Discuss Your Cash Advance Options
If your business processes regular debit and credit card payments, we can help you understand whether a merchant cash advance could provide the flexibility you need.
Discuss Your Cash Advance Options
If your business processes regular debit and credit card payments, we can help you understand whether a merchant cash advance could provide the flexibility you need.
Discuss Your Cash Advance Options
If your business processes regular debit and credit card payments, we can help you understand whether a merchant cash advance could provide the flexibility you need.