Funding for UK & Ireland SMEs
€10k–€250k for your business — see your offer in 2 minutes
No hidden fees, and no endless paperwork. Repayments flex with your revenue — quieter month, smaller payment. Seeing your offer is free and takes about two minutes.
- Instant scored offer
- Repay as you earn
- Funds in 1–2 business days
See your offer — free, 2 minutes
Complete each step to receive an instant Merchant Cash Advance offer.
Want to understand the cost first?
Use our illustrative total-cost calculator before entering any application details.
Open the calculatorWhat an advance actually costs
Borrow €30,000 at a 1.20 factor rate and you repay €36,000 in total — collected as 12% of your daily card takings. If revenue holds, that's finished in roughly 9 months. No interest accrues over time: the total payback is fixed on day one.
Formula: funded amount × factor rate = total payback. Your own offer shows these exact numbers before you commit to anything.
Is Calion right for you?
A cash advance works best for trading businesses with steady card or bank revenue. You're a good fit if:
- Your business is based in the UK or Ireland
- You've been trading for at least 6 months
- You take regular card or bank payments from customers
- You want repayments that scale down when trading is quiet
If that's not you yet, an advance probably isn't the right product — and we'd rather tell you now than after you apply.
Common questions
What is a factor rate?
The factor rate is used to calculate the estimated total amount to repay. For example, an advance of 10,000 with a 1.30 factor rate has an estimated total repayment of 13,000. Your offer displays the applicable rate and estimated total repayment.
More questions? Read the full FAQ