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Retail & e-commerce · Ireland
Retail
business loans.
Stock up before your busy season, refurb the shop or smooth out a quiet month. Retail funding that flexes with your takings instead of fighting them.
Merchant cash advance
For shops and online sellers taking card payments.
- From 90 days trading
- Repaid as a share of your card takings
- Pay back less in quieter months
- Top-ups available
Stock, trade & term loans
For buying stock in bulk or investing in the business.
- Trade finance for supplier orders, terms up to 180 days
- Unsecured term loans from 12 months trading
- Flexible repayment loans from 9 months trading
- €5,000 to €500,000
Guides for your industry
8 November 2026
How Quickly Can SMEs Borrow Money in Ireland?
A supplier deadline, a replacement vehicle or cash tied up in invoices: find out what speeds up Irish SME finance, what to prepare and how to choose funding that fits.
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3 November 2026
Is a Merchant Cash Advance Right for Your Irish Business?
How merchant cash advances work in Ireland: card-sales repayments, costs, eligibility from 90 days trading and the alternatives to compare before applying.
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27 October 2026
7 Business Loans for Retail Expansion: Compare Your Options
Compare seven ways to fund retail expansion in Ireland — unsecured and secured loans, asset finance, merchant cash advances, trade and invoice finance, and top-ups — for stock, fit-out and new locations.
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20 October 2026
Business Loan With Seasonal Cash Flow: A Practical Guide
How seasonal Irish businesses can borrow well: loan types that suit uneven income, building a cash flow forecast lenders trust, and repayments that match your trading year.
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27 October 2026
How to Prepare a Cash Flow Forecast for Your Small Business
A step-by-step guide to building a 12-month cash flow forecast for your small business in Ireland, with a worked example, a simple template layout and tips for keeping a rolling forecast up to date.
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Common questions
How does a merchant cash advance work for a shop?
You get an advance based on your card takings (typically €5,000+/month), then repay it as a small share of each day's card sales. Busy day, bigger repayment; quiet day, smaller one.
Can I fund a seasonal stock order?
Yes — a merchant cash advance, short term loan or trade finance can all cover a big buy-in ahead of your peak season. We'll match the repayment shape to when the stock actually sells.
My shop is under a year old — anything available?
If you take card payments, a merchant cash advance is possible from 90 days trading with steady card takings. Flexible repayment lenders look from 9 months.
Free to you. Lenders pay us a commission when your loan completes. How we get paid