Every business owner knows the feeling: opportunities to grow are right in front of you, but cash flow keeps holding you back. Whether it’s stocking up ahead of the busy season, investing in a new piece of equipment, acquiring another location, or simply easing the pressure of day-to-day expenses, finding the right type of financing can make all the difference.

That’s where Business Funding, also known as a Merchant Cash Advance (MCA), comes in. Unlike loans that demand fixed repayments regardless of how your business performs, Business Funding is designed to move in step with your sales, giving you breathing room and flexibility.

What is Business Funding?

At its core, Business Funding is an advance on your future card sales. Instead of waiting weeks or months to build up reserves, you can unlock the value of your upcoming transactions today.

Who Can Access Business Funding?

Eligibility to access Business Funding through SK Advisory is straightforward.

If your business:

- Accepts card payments, and

- Processes at least €10,000 in monthly card sales.

…then you may qualify for an MCA with us.

It’s accessible across industries, from independent shops and pubs to wholesalers, hospitality businesses, multi-site businesses and everything in between, because it leverages something nearly all modern companies already rely on: steady card transactions.

How Much Can a Business Receive?

The funding potential is linked directly to your card sales. In general, businesses can access up to 1.5 times their average monthly card sales.

Here’s an example:

- June sales: €40,000
- July sales: €55,000
- August sales: €30,000

Based on these numbers, the average sales figure makes the business eligible for around €62,500 in funding.

Of course, the final figure isn’t just about sales volume. Other considerations will be factored in, however we’ve partnered with the best in the business, and have one of the highest approval rates in the industry

Repayments That Flex with Your Business

One of the biggest advantages of Business Funding is the flexibility of repayments. Instead of fixed monthly amounts, repayments are taken as a percentage of daily card sales.

How It Works in Practice

Funding Terms

Daily Repayment Examples

This approach ensures that repayments are always in proportion to performance. On busy days, you pay down more. On quieter days, you pay down less. There are no stressful monthly direct debits, just a repayment rhythm that fits the natural flow of your business.

Business Funding in Action: Real Success Stories

The Butcher

A husband-and-wife team ran a butcher shop in a small town, competing directly with a larger convenience store nearby. While they had a loyal customer base, cashflow was always a problem. Their daily sales often went straight back into stock purchases, leaving them unable to buy in bulk or negotiate better supplier terms.

How funding helped:

- First round (€30,000): Paid off high-interest debts and cleared outstanding invoices. This immediately improved cashflow and allowed them to negotiate better credit terms with suppliers. With more stock consistently on shelves, sales grew and the store looked more appealing.

- Second round (six months later): Invested in a brand-new deli counter and rebranded the shop, creating a more modern and attractive environment for customers.

- Third round (planned for October): Designed to boost stock levels ahead of the busy Christmas rush.

The results: Within just five weeks of their first funding round, gross profits had jumped by 17%, proving how quickly the right cash injection can spark growth.

Why Business Funding Works

The beauty of Business Funding lies in its simplicity and adaptability:

Accessible:

If you take card payments above €10,000/month, you qualify.

Flexible:

Repayments move with your sales—no more stressing over fixed monthly outgoings.

Growth-focused:

Funding can be used for anything from stock and renovations to debt consolidation and rebrands.

Proven impact:

From butchers to pubs, businesses are already seeing measurable profit increases and stronger supplier relationships.

Final Thoughts

Cash flow problems don’t have to strangle growth. With Business Funding, you can unlock the future value of your card sales today and use it to invest in what matters most—your stock, your premises, your team, and ultimately, your customers.

For many businesses, it’s not just funding—it’s the difference between standing still and moving forward. Book a free consultation today to discuss how we can help. We will guide you from start to finish, and can even assist in creating budgets post funding if you wish.

*All figures and data are examples only and do not guarantee you will be eligible for the same amounts at the same cost. Some may cost slightly more, some less – Everything will be transparently presented to you once we assess sales and other factors, prior to any agreements being signed. 

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