Cork · Co. Cork
Merchant cash advance in Cork
A merchant cash advance in Ireland gives your company an upfront sum that is repaid automatically from a share of future card sales. For limited companies in Cork and across Co. Cork.
- Typical amounts
- From €10,000; Linked Finance up to €150,000
- Repayment
- A fixed share of daily card sales
- Trading
- Often 6 to 9 months or more
- Our fee
- €0 to you
- The lender pays us commission
Quick eligibility check
See what your company could borrow
Step 1 of 3 · about 60 seconds
About 60 seconds · no credit search · not recorded on the Central Credit Register
Prefer to talk? +353 1 536 9910- Typical amounts
- From €10,000; Linked Finance up to €150,000
- Repayment
- A fixed share of daily card sales
- Trading
- Often 6 to 9 months or more
- Our fee
- €0 to you
- The lender pays us commission
- Irish limited companies
- Several lenders, one request
- No fees for your company
- No obligation
At a glance
Merchant cash advance in Cork: at a glance
Typical terms: Until repaid from card sales
around 1 to 2 weeks
- Irish limited companies
- Often 6+ months trading
- Card takings
- 1
Tell us what you need
Three taps: purpose, amount, business type. About 60 seconds, no credit search and not recorded on the Central Credit Register.
- 2
We match you to lenders
We check your profile against lender criteria and approach only those likely to consider it. One request, only to lenders likely to consider it.
- 3
Compare any offers
See the rate, fees, security and any personal guarantee side by side before you decide anything.
Lenders we work with
We are a broker, not a lender. Lender names and logos are trademarks of their owners and are shown with permission. Their inclusion does not mean the lender endorses Welcome Finance. Finance is subject to each lender’s own approval, which is not guaranteed.
Local insight
How Cork companies use merchant cash advance
A merchant cash advance (MCA), sometimes called card terminal funding or a business cash advance, gives your company a lump sum that is repaid automatically from future card takings. When sales are high you repay faster; when they dip, repayments slow down. In Cork, limited companies in sectors such as pharmaceuticals and biopharma around Cork Harbour, technology and cybersecurity, and financial services use merchant cash advance for a range of needs. We have no office in Cork; our team works with Cork companies by phone, email and online from our registered office in Dublin 1. In Ireland, card-sales funding starts at about €10,000. Linked Finance, one of our panel lenders, offers it from €10,000 to €150,000, repaid daily as a fixed percentage of card sales over a maximum of 12 months, to companies with turnover above €100,000. Some MCAs are structured as a purchase of future sales for a fixed fee; others, like Linked Finance’s, are loans priced with interest.
The process
How it works
- 01
Share card statements
Providers look at several months of card sales and bank statements.
- 02
Get an offer
The amount, cost and repayment percentage are set.
- 03
Receive funds
Funds are paid to your company account once you sign.
- 04
Repay from sales
A fixed share of card takings is collected until the total is repaid.
Calculator
Run the numbers
Total repayable
€60,000
- Cost of the advance
- €10,000
- Repaid per month (at these takings)
- €7,200
- Estimated time to repay
- about 8.3 months
- Equivalent APR (collected daily over the estimated time)
- 71.41%
The cost is fixed up front by the factor rate. Repayments rise and fall with your card takings, so quieter months mean smaller payments and a longer term. The equivalent APR assumes the advance is collected every business day, as merchant cash advances are; a faster repayment means a higher APR.
Check eligibility for this amountIllustrative only. Actual rates, fees and terms depend on your circumstances and the lender. This is not an offer of finance.
Merchant cash advance for Cork companies
Who it suits
- Restaurants, cafés, pubs and hotels
- Retailers, salons and gyms with steady card sales
- Companies with seasonal card income
Common uses
- Refurbishment and new equipment
- Stock ahead of busy seasons
- Short-term cash flow between peaks
What lenders usually look for
Typical eligibility
- Irish limited company taking card payments
- Usually 6 to 9 months or more of trading
- Minimum turnover set by each provider, such as €100,000 a year at Linked Finance
- Personal guarantee often required
Documents to have ready
- 3 to 6 months of card statements
- Business bank statements
- Director ID and proof of address
What it costs, and what to watch
Some MCAs charge a fixed fee, sometimes shown as a factor rate; others are loans priced with interest. Either way, ask for the total amount repayable in euro and an estimated repayment period based on your own card sales. Our merchant cash advance guide explains how factor rates work, and the merchant cash advance calculator turns an offer into a total cost.
We are paid commission by the lender when finance completes. We do not charge your company a fee and never ask for payment upfront.
Risk warning
How we work
Merchant cash advance in Cork: questions
Before applying for merchant cash advance, which Cork LEO should my company contact?
Use the LEO for your council area: Cork City for the city, which since 2019 includes Ballincollig, Douglas and Blarney; South Cork for places such as Carrigaline and Midleton; and Cork North & West for Mallow, Clonakilty and the west. Each can advise on grants and help with a Microfinance Ireland loan.
How does a merchant cash advance work?
The provider reviews several months of your card sales and offers a lump sum. Once you sign, a fixed percentage of each day’s card takings is collected, through your card terminal provider or by direct debit, until the agreed total is repaid. Busy weeks repay more and quiet weeks less, so there is no fixed monthly instalment.
Is a merchant cash advance a loan?
It depends on the provider. Some are structured as a purchase of your future card sales for a fixed fee rather than a loan, while others, such as Linked Finance’s merchant cash advance, are loans with interest repaid from card sales. The structure affects which rules apply, so read the agreement and take advice if unsure.
How much does a merchant cash advance cost?
It varies by provider and by how fast you repay. Ask for the total amount repayable in euro, not just a factor rate or percentage. Our merchant cash advance guide explains factor rates and why a quick repayment can mean a high annual cost, and our calculator works out the total for your own card sales.
Which merchant cash advance providers operate in Ireland?
Several specialist non-bank lenders offer card-sales funding to Irish companies. Linked Finance, one of our panel lenders, offers it from €10,000 to €150,000, and other providers work through card terminal companies. Our panel includes merchant cash advance providers, so we can tell you which may consider your company, but approval is never guaranteed.
Can a restaurant or pub get a merchant cash advance?
Yes, hospitality is one of the main users, because most takings come through card terminals and trade is seasonal. Providers look at several months of card statements and want steady takings. A restaurant cash advance is often used for refurbishment, equipment or stock before a busy season. Leave room for quiet months, since a share of every sale goes to repayment.
What do I need to apply for a merchant cash advance?
Usually three to six months of card statements, business bank statements, director ID and proof of address, and details of your card terminal provider. Lenders also check trading history and turnover: Linked Finance, for example, asks for annual turnover above €100,000. Sending everything together usually speeds up a decision.
More finance in Cork
Check in 60 seconds
Check your eligibility
For limited companies in Cork and across Co. Cork.
- No credit search, not recorded on the Central Credit Register
- One request, several lenders: we’re a broker, not a lender
- For limited companies registered in Ireland
- No fees for your company: we’re paid commission by the lender
Step 1 of 3 · about 60 seconds
Sources: Linked Finance: Merchant cash advance (checked 22 Oct 2026); Finextra: 365 Finance expands into the Republic of Ireland (checked 22 Oct 2026); Department of Enterprise, Tourism and Employment: Late payment interest rate (checked 22 Oct 2026); Irish Examiner: More than €3bn available to businesses through invoice finance (BPFI Q1 2026) (checked 22 Oct 2026); Department of Enterprise, Tourism and Employment: Late payment in commercial transactions (checked 22 Oct 2026); Cork City Council, Economic facts and figures (checked 22 Oct 2026); Port of Cork Company, €86 million Cork Container Terminal becomes operational in Ringaskiddy (20 May 2022) (checked 22 Oct 2026); The Echo, Cork Docklands redevelopment plans given green light despite rising cost (checked 22 Oct 2026); Cork City Council, Cork City welcomes 85,000 new residents as it expands fivefold in size (checked 22 Oct 2026); LEO Cork North and West, Welcome (checked 22 Oct 2026); LEO South Cork, FAQs (checked 22 Oct 2026); Cork County Council, Cork County Council launches 2026 Streetscape Enhancement Scheme (checked 22 Oct 2026); Irish Examiner, Cork councils spend €40m to bring over 800 vacant properties back to use (11 Aug 2026) (checked 22 Oct 2026).