Unlock Fast Business Funding with Your Card Sales!

If your business accepts card payments, you could be sitting on an untapped source of financing! At BusinessLoans.ie, we offer fast and flexible business loans based on your merchant sales volume—helping you access capital without the hassle of traditional lending.

How Does It Work?

Unlike conventional loans that require fixed monthly repayments, this financing option is tailored to your cash flow. Here’s how it works:

1. Your business takes card payments – Whether you use a card machine, online payment gateway, or POS system, your card transactions generate revenue.

2. We assess your average monthly card sales – Your eligibility is based on the volume of card payments you process.

3. You receive a cash advance – Get approved quickly and receive the funds in days.

4. Repayment is flexible – Instead of fixed monthly payments, a small percentage of your future card sales goes toward repaying the loan. When business is booming, you pay more; during slower periods, you pay less!

Why Choose a Loan Based on Your Card Sales?

✅ Quick Access to Funds – No lengthy approval processes. Receive funds in as little as 24–48 hours.
✅ Cash Flow-Friendly Repayment – Payments adjust to your daily sales, so you’re never overburdened.
✅ No Collateral Required – No need to put up personal or business assets.
✅ High Approval Rates – Even if you’ve struggled with traditional bank loans, this funding is easier to qualify for.
✅ Use the Funds However You Need – Stock up on inventory, expand operations, cover short-term expenses, or invest in growth!

Who Can Apply?

If your business accepts card payments and has a steady stream of transactions, you’re likely eligible! This is an ideal solution for restaurants, retail shops, salons, online businesses, hospitality businesses, and more.

Apply Today!

Don’t let cash flow hold your business back. If you take card payments, you can get funding—fast! Call the BusinessLoans.ie team on 01 55 636 55 and get the working capital you need to grow your business!

Trade finance. Make sales first, pay suppliers afterward.

For many Irish businesses, managing cash flow while keeping up with inventory demands can be a constant struggle. Traditional financing options often require collateral, lengthy approvals, or inflexible repayment terms—tying up working capital and slowing down growth. At BusinessLoans.ie, we offer a smarter solution. Our trade finance options ensure you can secure the stock you need without draining your cash reserves. We cover your supplier payments upfront, giving you up to five months to repay—no collateral, no hassle. Keep your cash working for you, scale your business with ease, and stay ahead of the competition.

Client Success

One of our clients is a leading provider of battery, lighting, and recycling solutions across Ireland and the UK, with over 25 years of industry experience. Renowned for their high-quality products, exceptional service, and innovative approach, they operate from a large facility in Ireland.

However, they faced a significant cash flow challenge due to the high upfront costs of stocking inventory and fulfilling large-scale projects. With much of their stock sourced from China, their working capital was tied up while goods were in transit, limiting their ability to scale efficiently.

Through access to a €500,000 credit facility, which they have consistently leveraged since getting the facility during 2024, they secure the stock they need without locking up capital through innovative purchase order finance solutions. By eliminating financial constraints, they’ve been able to grow faster, take on more projects, and strengthen their market position.

Cash flow challenges shouldn’t hold your business back. Whether you're importing stock, managing large projects, or scaling operations, BusinessLoans.ie provides the flexible trade finance solutions you need to stay ahead. Does your business want a fast finance quote? Call the BusinessLoans.ie team today on 01 55 636 55 or APPLY HERE.

Secured Business Loans in Ireland

The Irish business lending landscape is constantly evolving, with pillar banks and alternative lenders gaining access to an ever-changing range of SBCI and government-backed loan options. However, while these lenders have access to various funding schemes, they must still operate within their lending rules. If your business has imperfect accounts or bank statements, you may face declines, particularly for unsecured loan options. In such cases, a secured business loan could be a viable alternative if your business owns eligible assets.

Types of Secured Business Loans

1. Asset-Backed Secured Loans

The quickest and easiest type of secured loan is one backed by business-owned vehicles and machinery. To qualify:

• The assets must be fully owned or have minimal outstanding finance.

• They should be less than 12 years old.

BusinessLoans.ie works with a panel of lenders to assess whether a secured loan is possible and determine the maximum amount available. Interest rates depend on risk assessment, but obtaining approval information is free. Additionally, businesses may qualify for discounted rates under the Credit Guarantee Scheme, especially if they have experienced a 15% or greater decline in turnover or net profit due to Covid-19. Loan amounts start from €20,000 and up, depending on the asset values.

2. Property-Backed Secured Loans

If your business owns commercial land or buildings, you may be eligible for a secured loan at lower interest rates. However, this loan type involves greater complexity and costs due to required legal fees, quantity surveyors, and other professional services. Because of these fixed expenses, property-backed loans are typically only feasible for amounts starting from €250,000 and above, provided the property has sufficient equity.

Benefits of a Secured Business Loan

• Higher Approval Chances – More accessible for businesses with valuable assets.

• Unlock Working Capital – Convert locked-up asset value into usable funds.

• Less Restriction on Loan Purpose – Lenders impose fewer usage checks compared to unsecured options.

Key Criteria for Secured Loan Eligibility

• Your business owns vehicles or machinery with significant value.

• Your business owns land or buildings with available equity.

• Your business passes credit assessment checks.

How BusinessLoans.ie Can Help

At BusinessLoans.ie, we specialize in securing the best funding solutions for Irish businesses. Our services are completely fee-free, and we are available seven days a week to assist with both unsecured and secured loan quotes. If a secured loan is the best route for your business, we can provide fast approval feedback from our panel of top lenders.

📞 Call the BusinessLoans.ie team for fast finance quotes on 01 55 636 55 or APPLY HERE.

Quick Business Loans? Same day approval!

If you’re looking for a fast business loan in Ireland then BusinessLoans.ie can help. We specialise in non-bank lenders who have a quick turnaround. If your bank is taking too long then don’t worry. We’ve got you covered:

We’re Fast: Amounts less than €50,000 can be approved and funded on the same day. That’s generally for businesses with at least one year’s profitable accounts behind them. For bigger amounts, don’t worry! Get up to €1,000,000 funded in as little as 24 hours.

We Compare the Market: There are numerous loan quote options available outside of your bank. We utilise non-bank lenders who have modern systems and underwriting processes. This often means far less paperwork, delay, hassle, and expense; plus, multiple quotes to compare.

We Offer Ongoing Support: Sometimes, an opportunity comes along in business that you can’t pass up. Whether it's a supplier needing to liquidate stock quickly or a debtor breaking their promise and leaving you in a cash flow pickle, we’ve got you covered. A one-off invoice finance deal could bridge the gap. We're committed to being ongoing partners to our clients.

Tailored Solutions for Your Business Needs: At BusinessLoans.ie, we understand that every business is unique. Whether you need working capital, equipment financing, or invoice finance, we have tailored solutions that fit your specific needs.

Competitive Rates and Transparent Processes: We pride ourselves on offering competitive rates and transparent processes. Our goal is to help you secure the finance you need with minimal hassle and maximum benefit.

Does your business need a fast finance quote? Call the BusinessLoans.ie team on 01 55 636 55 or APPLY HERE.

Unlock 5-Year Unsecured Business Loans for Capital Expenditure in 2025

Is your business planning for growth and investment in 2025? Whether you're upgrading your facilities, purchasing essential equipment, or making strategic investments, BusinessLoans.ie has fast and flexible funding options to help you move forward.

Get unsecured loans up to €500,000, with terms up to 5 years, ensuring low monthly repayments to support your business initiatives. Our quick 24-hour loan quote turnaround allows you to act fast on opportunities without the usual funding delays.

Ideal for Capital Expenditure Projects

5 year unsecured business loans are designed to support a wide range of capital investments, including:

• Solar Panels & Green Projects – Reduce energy costs and enhance sustainability by installing solar panels or improving energy efficiency in your premises.

• Insulation Upgrades – Improve your building’s insulation to lower heating costs and create a more comfortable environment.

• Renovations & Refurbishments – Modernize your business premises to attract more customers and improve operational efficiency.

• Buying Your Rented Unit – Secure ownership of your commercial property instead of paying rent to a landlord.

• Purchasing Company Vehicles – Invest in new or second-hand vehicles to support your business operations.

• Acquiring New Equipment – Upgrade or expand your equipment to increase productivity and revenue potential.

• Buying Older Machinery at Auction – Take advantage of auction deals to acquire essential machinery at competitive prices.

Why Choose BusinessLoans.ie?

✔ Unsecured Financing – No collateral required, making it easier to access capital. ✔ Fast Turnaround – Receive a loan quote within 24 hours. ✔ Flexible Repayment Terms – Spread repayments over up to 5 years for lower monthly costs. ✔ Up to €500,000 Available – Secure substantial funding for major capital investments. ✔ Expert Business Loan Support – Our team is ready to help Irish business owners access the best funding solutions. ✔ Funding for 2025 Business Growth – Whether you're investing in green initiatives, property acquisition, or expanding operations, we provide tailored financial solutions. ✔ Support for Various Sectors – Suitable for retailers, manufacturers, hospitality businesses, and service providers looking to enhance their business assets. ✔ No Early Repayment Penalty – If you have funds to settle the loan during term it’s easy to exit and save money on interest.

Act Now – Secure Funding for 2025

If your business has upcoming investment plans for green energy, property, equipment, or expansion, we can help you secure the right funding solution.

Talk to the Business Loans team today at 01 55 636 55 or APPLY HERE.

How Green Finance Can Help Your Business Thrive in Ireland’s Renewable Revolution

Ireland’s wind energy sector is proving to be a game-changer for both the environment and the economy. According to a recent report by Baringa, wind power helped the country save nearly €1 billion on gas for electricity generation in 2024. With wind energy now delivering 32% of Ireland’s electricity, businesses have an unprecedented opportunity to benefit from the transition to renewable energy.

For business owners, this shift means more than just lower energy costs—it presents a chance to secure green financing to future-proof operations and gain a competitive edge. At BusinessLoans.ie, we are committed to helping Irish businesses tap into green finance solutions that support sustainability while enhancing profitability.

Why Green Finance Matters

Green finance refers to loans and investment opportunities designed to support environmentally sustainable projects. Whether it’s installing solar panels, upgrading to energy-efficient equipment, or transitioning to electric vehicles, businesses that embrace green initiatives can unlock financial and operational benefits.

Key Benefits of Green Finance for Your Business:

1. Lower Operating Costs – Energy-efficient upgrades reduce electricity bills, boosting your bottom line.

2. Access to Government Grants and Incentives – Businesses investing in sustainability can qualify for grants, tax relief, and subsidies.

3. Future-Proofing Against Rising Energy Prices – With fossil fuel prices fluctuating, renewable energy solutions offer long-term cost stability.

4. Stronger Brand Reputation – Consumers and investors are prioritising sustainability, making green businesses more attractive.

5. Easier Access to Finance – Lenders are increasingly offering preferential terms for businesses investing in sustainable projects.

The Role of Business Loans in Supporting the Green Transition

While Ireland’s renewable energy sector is expanding rapidly, infrastructure challenges remain. The Baringa report highlights that grid capacity limitations led to lost wind power opportunities. This underscores the need for businesses to proactively adopt energy solutions that reduce dependence on the national grid and maximize efficiency.

At BusinessLoans.ie, we offer tailored financing options to help businesses invest in renewable energy, energy-efficient equipment, and other green initiatives. Whether you need funding for:

• Solar panel installations

• Energy-efficient machinery

• Green-certified commercial property improvements

• Electric vehicle fleets

…we can connect you with the right financial solutions to drive growth while reducing your environmental impact.

Seize the Green Opportunity

The Irish government is actively promoting sustainability through various funding programs, tax incentives, and regulations favoring green investments. Now is the time for business owners to act.

If you’re ready to explore how green finance can benefit your business, call the BusinessLoans.ie team today on 01 55 636 55 or APPLY HERE.

Irish Tech Startups Raise Record €1.48 Billion—But What About Smaller Businesses?

The latest IVCA VenturePulse report shows that 2024 was a record-breaking year for Irish tech investment, with €1.48 billion raised. Major deals, like XOcean’s €115 million and Fire1’s €116 million rounds, drove this growth. However, while big-ticket funding surged, smaller deals—especially under €5 million—saw a sharp decline.

For startups and SMEs, this highlights a critical issue: while venture capital (VC) remains strong for high-growth companies, many businesses seeking smaller funding rounds are struggling to secure investment.

The Growing Funding Gap for Smaller Businesses

The IVCA report found that:

• Deals between €3 million and €5 million dropped 37% year-over-year.

• Deals in the €1 million to €3 million range declined 24%.

• Seed funding fell 4% over the year and 55% in Q4 alone.

This means that early-stage and growth-phase companies—especially those outside of deep tech or biotech—are facing increasing difficulties in accessing funding.

What This Means for Irish SMEs and Startups

While government initiatives, like the €250 million Seed & Venture Capital scheme, will provide some support, many businesses can’t afford to wait for public funding. This is where alternative financing solutions come into play.

At BusinessLoans.ie, we help Irish businesses access the capital they need—whether through business loans, asset financing, or alternative lenders. Unlike venture capital, which often requires giving up equity, our financing solutions allow businesses to grow while maintaining full ownership.

Need Funding? Here’s How We Can Help

• Flexible Business Loans: We work with a network of lenders to secure funding tailored to your needs.

• Faster Approvals: Unlike traditional bank loans or VC rounds, our financing solutions can be approved in days, not months.

• No Equity Dilution: Keep full control of your business while securing the funding you need to grow.

Get the Capital Your Business Needs

If you’re an Irish business struggling to secure funding, now is the time to explore alternative finance solutions. Call the BusinessLoans.ie team today on 01 55 636 55 to discuss your options and take the next step in your growth journey. Or APPLY HERE.

Top 5 Reasons Why Business Owners Use Alternative Finance

At BusinessLoans.ie, we help business owners across Ireland secure the funding they need—quickly and efficiently. While banks remain a traditional source of business finance, many entrepreneurs turn to alternative lenders for a variety of reasons. In our latest video, we explore the top five reasons why business owners choose alternative finance over traditional banks.

5. The Bank is Taking Too Long

Time is money, and in business, delays in securing finance can mean missed opportunities. Traditional banks have long application processes, multiple approval layers, and strict underwriting procedures. Alternative lenders, on the other hand, move much faster, often providing approvals within days rather than weeks or months.

4. The Bank is Requesting Too Much Information

Banks typically require extensive documentation, including financial statements, tax returns, business plans, and detailed forecasts. While this level of scrutiny makes sense for risk management, it can be overwhelming and time-consuming for business owners. Alternative lenders streamline the process with more flexible documentation requirements, making it easier to access funding.

3. The Business Has Some Missed Payments

Traditional banks have rigid lending criteria, and even a few missed payments can result in a declined application. Alternative lenders take a more holistic approach. Some are willing to accept a higher risk threshold, especially if there is a strong underlying business case. Secured financing options, where assets are used as collateral, can also help businesses access funding despite a less-than-perfect banking history.

2. The Business is Seasonal

Seasonal businesses face unique cash flow challenges. Many traditional loans require fixed monthly repayments, which can be difficult to maintain during off-peak months. A Merchant Cash Advance (MCA) offers a more flexible solution. With an MCA, repayments are based on a fixed percentage of daily sales, meaning businesses pay less when revenue is slow and catch up when business picks up.

1. They Need More Than the Bank Quoted

Banks are often conservative when it comes to loan amounts, basing decisions strictly on past financial performance rather than growth potential. Alternative lenders assess the bigger picture, looking at business projections and market trends. This flexibility allows businesses to secure the higher amounts they need to expand, invest, or cover unexpected costs.

Alternative Finance: A Smart Choice for Business Owners

At BusinessLoans.ie, we specialise in connecting Irish business owners with the right funding solutions. Whether you’re facing delays with the bank, need more flexibility, or require a higher loan amount, alternative finance could be the answer.

Call the BusinessLoans.ie team for fast finance quotes on 01 55 636 55 or APPLY HERE.

Top 5 Restaurant Loans: Get the Funding You Need to Grow Your Business

Running a restaurant is both rewarding and challenging. From managing daily expenses to expanding your business, having the right financial support is crucial. That’s where we come in! As a trusted business loan brokerage, we help restaurant owners secure the best loan options tailored to their needs.

Whether you're looking to renovate, rebrand, hire more staff, or open a new location, we connect you with the best lenders and most competitive rates. Let’s explore the top five most popular restaurant loan options and how they can help your business thrive.

5. Renovation Loans – Upgrade Your Space & Boost Customer Experience

Your restaurant’s ambiance is just as important as your menu. Whether it’s upgrading your kitchen, remodeling your dining area, or adding outdoor seating, a renovation loan can provide the capital you need to make improvements that attract more customers and enhance efficiency.

✅ Upgrade furniture and décor
✅ Modernize kitchen equipment
✅ Expand your restaurant space

4. Rebranding Loans – Give Your Business a Fresh New Look

If your restaurant needs a revamp to stay competitive, a rebranding loan can help cover the costs of a new logo, signage, menu redesign, and even marketing campaigns to reintroduce your business to the market.

✅ Refresh your brand identity
✅ Invest in a new marketing strategy
✅ Stay relevant in a competitive market

3. Hiring Loans – Expand Your Team & Improve Service

As your restaurant grows, so does the need for a strong, skilled team. A hiring loan can help you cover payroll, recruit top talent, and train new employees to enhance customer service and keep operations running smoothly.

✅ Hire experienced chefs and staff
✅ Expand your front-of-house and kitchen teams
✅ Offer competitive wages to attract top talent

2. Expansion Loans – Open a New Location with Confidence

Dreaming of expanding your brand? A new location loan can help cover everything from securing a lease to purchasing equipment and hiring staff. Don’t let financial barriers stop you from taking your restaurant to the next level.

✅ Secure prime real estate for your next location
✅ Purchase new kitchen equipment and furnishings
✅ Fund grand opening marketing campaigns

1. Working Capital Loans – Keep Your Cash Flow Strong

Unexpected expenses? Seasonal slowdowns? A working capital loan gives you the flexibility to manage daily operations without financial stress. Whether it’s paying suppliers, handling emergencies, or bridging gaps in revenue, working capital is the lifeline that keeps your business running smoothly.

✅ Cover rent, utilities, and inventory costs
✅ Manage cash flow during off-seasons
✅ Handle emergency repairs or unexpected expenses

We Find the Best Restaurant Loans for You!

No matter your restaurant’s financial needs, we specialise in finding the best loan options from top lenders—saving you time, hassle, and money. Our process is fast, easy, and tailored to your business goals.

Call the BusinessLoans.ie team on 01 55 636 55 to explore your restaurant loan options! Let’s fuel your success.

Or APPLY HERE.

4 Finance Options for Small Irish Construction Projects in 2025

Securing property development financing for smaller construction projects remains a challenge in Ireland. While banks continue to favour large-scale projects worth millions, most builders are microbusinesses focussing on renovations, extensions, and smaller property flips.

In 2025, construction businesses face mounting pressure due to labour shortages, rising material costs, and inflation making cost forecasting difficult. These factors increase the need for working capital, but financing options for smaller projects are often limited. BusinessLoans.ie has some loan quote options that might help.

Here are four funding solutions that could help your business stay ahead:

1. Unsecured Business Finance – Up to €500,000

For builders and contractors needing fast access to funds, unsecured finance can provide working capital without requiring assets as collateral. Pre-approval gives you certainty, helping you plan and seize opportunities as they arise.

2. Asset Refinancing – Up to €1 Million

If your business owns valuable machinery or equipment, asset refinancing can unlock capital tied up in these assets. This allows you to reinvest in new projects, cover cash flow gaps, or upgrade equipment without waiting for new revenue.

3. Bridging Loans – From €250,000

Bridging loans offer short-term financing to release capital from rental properties or commercial buildings. If you need funds before a sale completes or before securing long-term financing, this can be an effective solution.

4. Development Finance – From €500,000

For builders looking to take on new development projects, there are flexible funding options available, even for smaller deals. If you have a site and suitable collateral, development finance can help get your project off the ground faster.

Why Choose BUSINESSLOANS.IE?

Banks often have long approval processes and strict lending criteria. Our alternative lending partners provide faster turnaround times, helping you keep projects on track without delays. Whether you’re an experienced developer or a builder working on a side project, we can help you secure the right funding.

Call the BusinessLoans.ie team on 01 55 636 55 for fast finance quotes. Or APPLY HERE.