Revenue-based finance Ireland for online companies

Funding for your company that is repaid as a fixed share of future revenue, rather than in fixed monthly instalments. Repayments rise in strong months and fall in quiet ones. Providers assess you using live data from your sales platforms, payment processors and bank accounts. Our lender panel includes revenue-based finance providers.

Several providers operate in Ireland. 365 Finance, one of our panel lenders, offers revenue-based working capital of €10,000 to €250,000 to Irish SMEs, and Dublin-based and international platforms lend to e-commerce companies, sometimes through payment processors and marketplaces. Compare the fee, revenue share and any minimum payments, because terms vary widely.

E-commerce and direct-to-consumer brands, subscription and SaaS companies, and online marketplace sellers with steady, trackable revenue. It works best where extra funding turns into sales quickly, such as stock for peak season or proven digital marketing. Companies with irregular or mostly offline income usually find other products a better fit.

Yes, if they have recurring revenue. Providers look at monthly recurring revenue, churn and how predictable subscriptions are, often through your billing platform and bank data. It can fund sales and marketing. Pre-revenue software companies usually cannot use it. Start-ups registered as limited companies in Ireland can still apply through Welcome Finance, where a lender's criteria allow.

Usually, yes. Providers ask you to link platforms such as Shopify, Stripe or Amazon, or share bank data through open banking, so they can see revenue in real time and collect repayments. You authorise this access. It speeds up decisions but means the provider sees your trading closely, so check what data it keeps and for how long.

Usually not. Repayments follow your revenue, so the advance is repaid faster when sales are strong and more slowly when they dip. Some agreements set a minimum payment or an expected repayment period, so the provider is not exposed if revenue falls for a long time. Check what happens if sales drop sharply.

Providers usually charge a flat fee on the amount advanced, agreed at the start. The quicker you repay, the higher the equivalent annual cost. Work out the total repayable and likely repayment period from your own revenue forecast; our revenue-based finance guide has worked examples, and our comparison with merchant cash advances shows how the two differ.

Only once it has a revenue history. Providers usually want several months of consistent sales data, so options may be fewer for a new company. Start-ups registered as limited companies in Ireland can still apply through Welcome Finance, where a lender's criteria allow. New online businesses can also speak to their Local Enterprise Office about grants, training and mentoring, and to Enterprise Ireland if they are a high-potential start-up.