# 365 Finance Ireland > 365 Finance Ireland (trading name of REV&U EUROPE LIMITED) provides Revenue-Based Finance to Irish SMEs. Businesses can access between €10,000 and €400,000, repaid automatically as a small percentage of daily card transactions — with no fixed terms, no APR, and no hidden fees. Founded in 2012. Part of the 365 Finance group, which also operates in the UK via 365finance.co.uk. 365 Finance is a direct financial provider — not a broker. --- ## About 365 Finance 365 Finance has been providing alternative business funding since 2012. Founded on the principle that traditional bank lending fails many viable SMEs, the company created a revenue-based model that turns future card sales into immediate capital. The product — often called a merchant cash advance or business cash advance — is repaid as a small, automatic percentage of daily card transactions, meaning repayments flex with the business's revenue. 365 Finance first launched in the UK and expanded into Ireland as part of its European growth strategy. **Legal Entity (Ireland):** REV&U EUROPE LIMITED **Company Registration:** 771440 **Registered Office:** 5 Harcourt Rd, Saint Kevin's, Dublin 2, D02 FW64, Ireland **Phone:** +353 1 9069 365 (Mon–Fri 8:30am–6pm) **Payment services partner:** Modulr Finance B.V. (DNB authorised Electronic Money Institution, Firm Ref: R182870) **Social:** Facebook, LinkedIn, YouTube, Twitter/X (@365bizfinance), Instagram, TikTok **Media coverage (Ireland):** The Irish Times, Business Post, RTÉ **UK sister site:** https://365finance.co.uk --- ## Group Leadership - **Warren Abbey – CEO:** Chartered Accountant; former KPMG, CFO of OracleMed Health, CFO of Bayport Financial Services (Colombia & Latin America). Joined 365 Finance as Chief Commercial Officer; appointed CEO in 2024 to drive product innovation, strengthen embedded finance partnerships and scale into new markets. - **Andrew Raphaely – Founder & Director:** Chartered Accountant; background in wealth advisory, asset management and hedge funds. Co-founded 365 Finance. - **Raf Polatinsky – COO:** Chartered Accountant; former Asset Management; joined 365 Finance in 2013 to run finance and operations. --- ## Group Awards & Recognition 365 Finance has received numerous industry awards across its UK and Ireland operations, including: - Lending Awards 2025 – Best Fintech Lender - Credit Awards 2025 – SME Lender of the Year - CNBC – UK's Top Fintech Companies 2025 - Worldwide Finance Awards 2025 – Alternative Lender of the Year - King's Award for Enterprise – Innovation - Credit Awards 2024 – SME Lender of the Year - Women in Credit Awards 2024 – Advocate of the Year - Lending Awards 2024 – Best Brand - Lending Awards 2024 – Customer Service Excellence (Alternative Lending) - Lending Awards 2024 – Best Fintech Lender - Lending Awards 2024 – Best Commercial Lender - Women in Credit Awards 2023 – Employer of the Year - Women in Credit Awards 2023 – Rising Star of the Year - Credit Awards 2022 – SME Lender of the Year - Lending Awards 2022 – Alternative SME Lender of the Year - British Business Awards 2022 – Business Lender of the Year - Growth Finance Awards 2019 – Direct Lending Platform of the Year - NACFB Awards 2019 – Unsecured Lender of the Year - Lending Awards 2019 – Rising Star of the Year ### Industry Memberships - FSB (Federation of Small Businesses) - The British MCA Association - NACFB (National Association of Commercial Finance Brokers) - ISO Certified --- ## Core Product: Revenue-Based Finance **URL:** https://365finance.ie/revenue-based-finance/ **Also known as:** Merchant Cash Advance, Business Cash Advance, Revenue-Based Financing Revenue-based finance allows a business to raise capital today by selling a portion of its future card revenue. The advance plus an agreed cost is repaid automatically as a small % of daily card transactions — there is no fixed monthly payment, no interest rate, and no APR. **Key features:** - Funding amount: €10,000 – €400,000 - Repayment: small % of daily credit/debit card sales (automatic via card terminal integration) - One all-inclusive cost agreed upfront — never changes - No APR, no interest, no admin fees, no late fees, no hidden extras - No fixed repayment term — repayment slows in quiet periods and accelerates in busy periods - No security or collateral required - No business plan required - 90% approval rate - Funding deposited in as little as 24 hours - Soft credit check only (does not affect credit score or appear to other lenders) - Dedicated relationship manager throughout - Direct lender — not a broker --- ## Product Pages ### Merchant Cash Advance **URL:** https://365finance.ie/merchant-cash-advance/ An advance against future card sales. Repaid as a % of card transactions. No fixed terms, no interest, no APR. ### Business Cash Advance **URL:** https://365finance.ie/business-cash-advance/ SME-focused lump sum advance repaid through future card takings. ### Unsecured Business Loans **URL:** https://365finance.ie/unsecured-business-loans/ No security or collateral required. Accessible to businesses that cannot offer assets as security. ### SME Financing / SME Business Loans **URL:** https://365finance.ie/sme-financing/ Tailored funding solutions for small and medium-sized enterprises across Ireland. ### Working Capital Loans **URL:** https://365finance.ie/working-capital-loans/ Short-term funding for day-to-day operational expenses and cash flow management. ### Card Machine Loan **URL:** https://365finance.ie/card-machine-loan/ Funding structured around the business's card terminal usage and card transaction volume. --- ## Sector-Specific Funding ### Restaurant Loans / Funding **URL:** https://365finance.ie/restaurant-loans-funding/ Fast funding for restaurants, cafés, and food businesses. Covers fit-out, equipment, stock, staff costs, and seasonal cash flow gaps. Repayments adjust automatically with card takings, making this well-suited to the variable revenue patterns of the hospitality sector. ### Pub Loans / Funding **URL:** https://365finance.ie/pub-loans-funding/ Flexible finance for pubs and bars. Repayments align with daily card takings, making it ideal for businesses with seasonal or event-driven trade. ### Hotel Loans / Funding **URL:** https://365finance.ie/hotel-loans-funding/ Funding for hotels and hospitality businesses. Covers refurbishments, equipment purchases, and operational costs. Repayments flex with occupancy-driven card revenue. --- ## How We Help (Use Cases) ### Cash Flow **URL:** https://365finance.ie/solutions/how-we-help/cash-flow/ Bridge cash flow gaps without disrupting operations. Repayments reduce automatically during slower trading periods, protecting the business from financial strain. ### Buying Stock and Equipment **URL:** https://365finance.ie/solutions/how-we-help/buying-stock-and-equipment/ Fund bulk stock purchases or equipment upgrades without depleting working capital or committing to fixed loan repayments. ### Growth and Expansion **URL:** https://365finance.ie/solutions/how-we-help/growth-and-expansion/ Finance new locations, refurbishments, marketing campaigns, or capacity expansion without the lengthy approval processes of traditional banks. ### Hiring and Other Costs **URL:** https://365finance.ie/solutions/how-we-help/hiring-and-other-costs/ Cover recruitment costs, payroll gaps, training, and other overhead costs during business growth phases. --- ## Brokers & Introducers **URL:** https://365finance.ie/brokers/ 365 Finance operates an active broker and introducer programme for finance professionals who refer SME clients. Brokers receive dedicated support and competitive commission. 365 Finance is a member of the NACFB. --- ## Frequently Asked Questions **How does revenue-based financing work?** It enables businesses to raise €10,000–€400,000 quickly. Unlike a bank loan, repayments are a small % of card sales — you only repay when customers pay you. No APRs, admin charges, or late fees. Technology plugs into the card terminal so repayments happen automatically. **What are the advantages?** Fast, simple, no business plans or security required. Apply in minutes, approval within 24 hours, 90% approval rate, flexible repayments based on card sales, dedicated relationship manager. **How does it differ from a bank loan?** No fixed weekly/monthly repayments. During seasonal dips, repayments reduce automatically to match lower sales — so cash flow remains stable. No APR, no interest, one fixed cost agreed at the start. **Am I eligible?** No credit check is required for a provisional quote. A soft credit check (does not affect credit score, not visible to other lenders) is carried out on approval only. **Is there an interest rate or APR?** No. One single all-inclusive cost is agreed at the start. It does not increase regardless of how long repayment takes. No application fees, admin charges, or late fees. **How long does repayment take?** There is no fixed term. Repayment speed varies with card sales. No additional charges if it takes longer than expected. **Can I get ongoing funding?** Yes. Businesses with existing advances can contact 365 Finance to discuss renewal or top-up options. **Why is revenue-based financing ideal for small businesses?** Repayments mirror sales, reducing cash flow pressure. No security or business plans required. Fast, flexible, and affordable compared to traditional bank lending. 90% approval rate means most viable businesses qualify. **Does it affect my credit score?** No. Only a soft credit search is performed on approval, which does not impact the credit score and is not visible to other lenders. --- ## Company Pages ### About Us **URL:** https://365finance.ie/company/about-us/ Founded 2012 in the UK, expanded to Ireland. Mission: provide fast, flexible, transparent finance to SMEs underserved by traditional lenders. **Values:** - Flexibility: solutions customised to each business's revenue streams - Transparency: one agreed cost upfront, no fees, no surprises - Customer focus: dedicated relationship managers from application through to full repayment ### Meet the Team **URL:** https://365finance.ie/company/meet-the-team/ ### Awards and Recognition **URL:** https://365finance.ie/company/awards-and-recognition/ See full group awards list above. ### Press & Media **URL:** https://365finance.ie/company/press-media/ Featured in The Irish Times, Business Post, and RTÉ. --- ## Resources & Content ### Sources of Business Funding **URL:** https://365finance.ie/business-funding/sources-of-business-funding/ Guide to the range of funding options available to Irish SMEs, including traditional bank loans, government grants, and alternative finance. ### Insights Blog **URL:** https://365finance.ie/insights/ Educational articles for SMEs and finance brokers. Topics covered across the group's blog include: - Revenue-based finance explained - Merchant cash advances vs bank loans - SME cash flow management - Sector guides: hospitality, retail, services - Seasonal business tips - Broker guides and industry analysis - Fintech and open banking for SMEs - Impact of interest rates on small businesses ### Compare Revenue-Based Finance vs Bank Loans **URL:** https://365finance.ie/revu/compare/ Side-by-side comparison of revenue-based finance and traditional bank loans across repayment structure, approval speed, eligibility requirements, and total cost. ### FAQs **URL:** https://365finance.ie/faqs/ --- ## Client Testimonials - *"Excellent throughout! From start to finish this was an easy process and the customer service from the staff was outstanding."* — Chris, Shop Owner - *"Very easy and very fast! I'd been turned down by my bank but funding was in my account from 365 Finance very quickly, and repayments are direct from my card takings."* — Claire, Vet Practice Owner - *"Finance has never been easier! We found ourselves in a tight spot but I got in touch with 365 Finance and we quickly got the funds we needed."* — Joe, Restaurant Owner --- ## Legal & Compliance - [Privacy Policy](https://365finance.ie/privacy-policy/) - [Terms & Conditions](https://365finance.ie/terms-conditions/) - [Complaints Notice](https://365finance.ie/complaints-notice/) - [Modulr EU Introduced Client Terms](https://365finance.ie/modulr/eu-introduced-client-terms-mfbv/) - Payment services provided by Modulr Finance B.V., registered in the Netherlands (no. 81852401), authorised and regulated by the Dutch Central Bank (DNB) as an Electronic Money Institution (Firm Ref: R182870). Funds held in segregated safeguarded accounts per the Financial Supervision Act. - 365 Finance is a direct financial provider — not a broker. --- ## Apply **URL:** https://365finance.ie/application/ Apply online in minutes. Alternatively call +353 1 9069 365 (Mon–Fri 8:30am–6pm) or use LiveChat on the website. --- ## Sitemap Reference - Page sitemap: https://365finance.ie/page-sitemap.xml - Insights sitemap: https://365finance.ie/insight-sitemap.xml - Full sitemap index: https://365finance.ie/sitemap_index.xml