Revenue-based financing with repayments that move with your sales

A clearer way to manage costs, plan ahead, and keep your business moving. Get revenue-based financing with a fixed fee and repayments that move with your sales.

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Merchant loan - myPOS lending

Trusted by thousands of businesses across Europe

Over

€ 40M

already provided

More than

5,272

merchants received financing

Over

7,040

signed deals

Typically funded

within 48 hours

of accepting your financing agreement

A simpler way to fund your business

Running a business means making constant decisions about where money needs to go next. Stock, equipment, day to day costs, or preparing for a busy period can all put pressure on cash flow. myPOS gives you access to revenue-based financing with clear terms, a fixed fee, and repayments that move with your sales. That means you can keep plans moving, without putting extra pressure on your business.

A simpler way to fund your business A simpler way to fund your business
How merchant loans work How merchant loans work

How revenue-based financing works

From offer to repayment, here's how your financing works:

1. Your business is assessed

Our team looks at things like your sales performance and business stability to assess suitability.

2. Your offer appears in your business account

If your business qualifies for financing, you'll see the financing amount, fixed fee, total repayment amount, and repayment rate clearly in your account.

3. Review and accept your financing agreement

If the offer works for you - simply accept it in your business account. There are no long forms or unnecessary paperwork to deal with.

4. Receive your financing

Your revenue-based financing will typically be paid within 48 hours of accepting your financing agreement. So you can put your business plans into action quickly.

5. Repay in line with your sales

Repayments are clear from the start. An agreed percentage of your sales is collected and repaid automatically. Everything then follows the repayment schedule in your financing agreement.

Repayments that move with your sales

With revenue-based financing, you see the total repayment upfront.

Loan amount:

€ 10.000

Fixed fee:

€ 1.200

Total repayment:

€ 11.200

How repayments adjust with sales

If your sales are higher, repayments are made faster. If sales are lower, the amount collected is lower. The total repayment amount stays the same throughout.

How repayments adjust with sales How repayments adjust with sales
How loan offers are assessed How loan offers are assessed

How financing offers are assessed

Revenue-based financing is currently only available to eligible myPOS merchants. You may receive an offer based on:

  • Your sales activity

  • Your business stability

  • Your business history

  • Your time using myPOS

When a financing offer is available, it will appear in your business account.

How revenue-based financing can support your business

Revenue-based financing can help you cover key costs, invest in growth, and take pressure off cash flow. You could use it for:

Stock

Stay ready for busy periods by ordering inventory in advance and avoiding missed sales.

Equipment

Repair, replace, or upgrade essential equipment so your business keeps running smoothly.

Seasonal demand

Prepare for busier periods with stock, staffing, or supplies you need, without putting extra pressure on cash flow.

Cash flow gaps

Cover short term costs and keep day to day operations running smoothly.

Hiring and growth

Bring in extra support, increase capacity, and give your business more room to grow.

Marketing

Invest in campaigns and promotions that bring new customers and drive sales.

Get financing without the usual friction

Traditional business borrowing can be slow, paperwork heavy, and harder to plan around. Revenue-based financing gives you faster access to funds, clearer costs, and more flexibility in how you repay.

  • Fixed fee

  • Straightforward pricing structure

  • No long forms to fill out

  • Repayments collected automatically from your sales

Get a loan without the usual friction Get a loan without the usual friction

See why our customers love myPOS

Trusted by over 400 000 businesses across Europe to save time and money.

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Extremely positive experience. I've been using myPOS for more than 3 years and I must say that I haven't had any major problems, and when minor issues have happened, I've gotten a quick solution.

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Excellent service. I have had no problems with any POS payments and PayLink accepts all cards with no monthly fee.

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Since I've been using myPOS, I've never had any problems and, above all, I have instant credit to use immediately. I recommend it to everyone.

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I have been using myPOS for two years

I've been using myPOS for two years, and I think it's the best product around, both in terms of value for money and the immediate availability of money.

FAQs

Your questions answered

Revenue-based financing is a financing offer that may be available to eligible myPOS merchants. It comes with a fixed fee, and repayments are made as an agreed percentage of platform sales in line with the financing agreement.

Eligibility is based on factors such as your sales activity, business stability, business history, and time using myPOS. If your business qualifies for a financing offer, it will appear in your business account.

Financing amounts vary by merchant. If a financing offer is available, the amount will be shown clearly in your offer.

Each offer includes a fixed fee shown clearly upfront, together with the total repayment amount.

Repayments take place over the period set out in your financing agreement, up to 12 months. The repayment period will be shown clearly in your offer.

If the full repayment amount is not repaid within the period set out in your financing agreement, the lender may deactivate the financing. Any outstanding amount must then be repaid directly to the lender, outside the myPOS system.

No. The cost is shown as a fixed fee, not as interest or APR.

Your financing is paid to the business account specified in your financing offer.

Repayments are collected automatically as an agreed percentage of your platform sales, in line with your financing agreement.

If your platform sales go down, the amount collected through repayments also goes down, because repayments are linked to platform sales.

Once you accept your financing agreement, the financing amount is typically paid within 48 hours.

Yes. If you decide to accept a financing offer, the terms will be set out in a financing agreement in your business account.

No. Revenue-based financing is only available to eligible merchants, and not all businesses will qualify.

If repayments do not continue as agreed, the lender may deactivate the financing. Any outstanding amount must then be repaid directly to the lender, outside the myPOS system.

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