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Architects · Ireland
Architect
business loans.
Architecture practices carry projects for months — design, planning, tender and site stages — while clients pay stage fees on 30, 60 or 90-day terms. Salaries, software and rent don't wait. We help Irish architects compare invoice finance, term loans and asset finance through specialist lenders.
Invoice finance for unpaid stage fees
Release the cash you've already earned while developers, contractors and private clients pay stage-payment invoices on 30, 60 or 90-day terms.
- Advance of up to 95% of unpaid invoice value
- Finance can cover your whole sales ledger as it grows
- One-off or ad hoc invoice finance starts at €100,000 per invoice
- Suits practices billing business clients — developers, main contractors, public bodies and commercial clients
- A revolving facility, so it grows and shrinks with your billing
Term loans for hiring and growth
Fund a new architect or technologist, BIM software, an office move or a marketing push and repay on a fixed schedule.
- Unsecured term loans from €5,000 to €500,000
- From 12 months trading with one year’s accounts
- Annual turnover of €100,000 or more and a net profit
- No recent missed payments on bank statements
- Practices from around 9 months trading with steady deposits (about 8 a month) can look at flexible repayment loans instead
Asset finance for studio equipment
Spread the cost of the kit the practice runs on instead of paying for it in one go.
- Hire purchase or leasing for suitable new or used assets
- CAD and BIM workstations, plotters, large-format printers, servers and office fit-out
- Leasing with no deposit on smaller items, and finance on suitable vehicles from €10,000
- A supplier quote helps us compare the options
- In some cases, loans secured on equipment you already own can work — assessed case by case
Finance is subject to lender assessment. Unsecured term loans are not registered against property or business assets, but some lenders ask directors for a personal guarantee. Equipment-secured loans are assessed case by case.
Why architecture practices come to us
Long projects, late fees, monthly costs
A project can run for years from first sketch to completion, but the practice's costs are monthly — salaries, BIM and CAD licences, professional indemnity insurance and rent. Stage fees arrive in lumps and clients pay them late; a delay at planning or on site pushes the next invoice out further while the team stays on the books. Winning a bigger commission makes the gap bigger before it makes it better.
Invoice finance turns issued stage-fee invoices into cash now, a term loan funds hiring, software or an office move on a fixed schedule, and asset finance spreads the cost of workstations, plotters, printers and studio fit-out over their working life.
Coming from a different angle? Our invoice finance page explains how the facility works, the unsecured business loans page covers term-loan criteria in detail, and the construction page covers funding for the firms building your designs.
Guides for your industry
2 November 2026
Invoice Finance Ireland for Growing SMEs
Release cash tied up in unpaid B2B invoices. Understand factoring, invoice discounting, lender fees and the documents Irish SMEs need.
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21 April 2026
Working Capital Finance as Costs Rise for Irish SMEs
How Irish SMEs can manage rising costs and cash-flow gaps: compare working capital finance, understand interest-rate risk and check repayments before borrowing.
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21 October 2026
Professional Services Business Expansion Loans: 2026 Guide
How professional services firms fund growth without draining cash reserves: comparing unsecured loans, asset finance and invoice finance, what lenders look for, the documents to prepare, and the mistakes that delay funding.
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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
Can I get finance against unpaid stage-payment invoices?
Yes. Invoice finance advances up to 95% of the value of invoices you've already issued to business clients, so a 60 or 90-day payment term doesn't have to be funded from your own cash. One-off or ad hoc invoice finance starts at €100,000 per invoice.
A project is delayed at planning but my costs carry on — can you help?
Often, yes. A term loan can bridge a known gap on a fixed repayment schedule, and invoice finance releases cash against the stages you've already billed. Lenders look at your trading record and the clients you're billing.
Do I need assets to qualify for a loan?
No. Unsecured term loans are not registered against property or business assets, so a practice whose value is its people can still borrow on its trading record — though some lenders ask directors for a personal guarantee.
What do lenders look for?
For unsecured term loans, lenders typically want at least 12 months trading with one year's accounts, turnover of €100,000 or more, a net profit and clean recent bank statements. Limited company, Sole trader, Partnership accounts can all work.
Free to you. Lenders pay us a commission when your loan completes. How we get paid