How It Works
We provide business funding for Retail, Hospitality, Construction, Services, and other industries. You can apply directly through our online application.
Most applications are reviewed within 24–48 hours. Our team will contact you directly with a quote or to request more information.
Yes! Each application is assessed individually, and previous refusals do not automatically disqualify you.
We typically require proof of business registration, recent bank statements, and financial records. Our team will guide you through the exact requirements.
Revenue-based financing, also known as a merchant cash advance, is a form of funding that enables you to quickly and easily raise between €10,000 and €250,000. Unlike a regular bank loan, there are no fixed monthly payments – you simply pay back a small percentage of your credit and debit card sales, meaning you only pay us back when your customers pay you. There are no APRs, admin charges or late fees. So if you’re having a quiet month, your repayments automatically reduce, which helps you manage your cash flow.
We’ve designed our funding process to be fast, simple and hassle-free. This means you don’t need to supply business plans or security for a merchant cash advance. Once funded, the processing of repayments happens automatically, so there is no disruption to your business. You can apply in minutes, with approval within 24 hours (and a 90% approval rate). No security or business plans are required and flexible repayments are based on your card sales.
Unlike a bank loan, there are no fixed weekly or monthly repayments; you simply pay back a small percentage of your credit and debit card sales. This means that, during a seasonal dip in sales, your repayments will go down to match the decreased in sales – so your cash flow remains stable. Learn more about the differences between business cash advances and bank loans.
The process is fast and simple. Just click the ‘Apply Now’ button or call the number at the top of this page. Alternatively send an email to info@costafinance.ie along with your contact details and we will contact you!
There are no credit checks required for you to receive a provisional quote. Once approved for revenue-based finance, a credit check will be carried out to comply with responsible lending regulations. This is known as a ‘soft search’ and will not impact your credit score, nor will it be visible to other lenders.
There are no credit checks required for you to receive a provisional quote. Once approved for a merchant cash advance, a credit check will be carried out to comply with responsible lending regulations. This is known as a ‘soft search’ and will not impact your credit score, nor will it be visible to other lenders.
Unlike a bank loan, there are no interest charges or APRs on our revenue-based financing. Instead, you pay a single, all-inclusive cost that is agreed at the start of the term. This cost is added to the cash advance and does not increase, regardless of the length of time it takes you to repay. There are no application fees, admin charges, late fees or hidden extras
Repayment speed will vary, depending on how your sales fluctuate – so if you have a quieter month than usual, your repayments for that month will be lower. There is no fixed term and no additional charges if the advance takes longer to repay than expected.
Revenue-based financing can be the ideal solution for many small and medium sized businesses, as the repayments mirror your sales, reducing pressure on your cash flow. No security or business plans are required, and you won’t be tied to lengthy terms with high APRs and fixed monthly repayments that may be the case with a traditional bank loan. An advance from Costa Finance is a fast, flexible and affordable form of alternative business funding.