Boost Your Export Potential in 2025 with Trade Finance Solutions from BusinessLoans.ie

As we look ahead to 2025, Irish businesses are poised to seize new opportunities in the global market. With exports reaching a remarkable €187 billion in 2024, representing a 20% increase overall, there's never been a better time to expand your business horizons. Diversifying your export markets can not only drive growth but also mitigate risks associated with the geopolitical landscape, such as the Trump presidency, tariffs, and ongoing Brexit red tape in the UK market.

At BusinessLoans.ie, we understand the unique challenges and opportunities that come with exporting. That's why we offer a range of tailored financing solutions to support your business every step of the way.

Fast Finance Quotes for Unsecured Loans

Working capital is the lifeblood of any exporting business. Whether you're looking to purchase inventory, offer good terms to your creditors, or manage day-to-day expenses, our unsecured loans provide the flexibility you need to keep your operations running smoothly. With fast finance quotes and a streamlined approval process, you'll have the funds you need in no time.

Trade Finance for Purchase Orders and Supplier Terms

Managing cash flow and maintaining strong supplier relationships are crucial for any business looking to grow its export potential. Our trade finance solutions can help you finance purchase orders or complement supplier terms, ensuring you have the resources to meet demand and keep your supply chain moving efficiently.

Invoice Finance to Improve Cash Flow

Waiting for debtors to pay can put a strain on your cash flow and slow down your business growth. With our invoice finance services, you can unlock the cash tied up in your unpaid invoices, providing you with immediate working capital to reinvest in your business. This helps maintain a steady cash flow, allowing you to focus on what you do best – growing your exports.

Why Choose BusinessLoans.ie?

At BusinessLoans.ie, we pride ourselves on understanding the needs of Irish businesses. Our team of experts is dedicated to providing personalised financing solutions that align with your business goals. Whether you're a seasoned exporter or just starting out, we have the tools and expertise to help you succeed in the global market.

Get Started Today

Don’t let financial constraints hold you back from reaching your full export potential. Contact BusinessLoans.ie today for a consultation and find out how our tailored financing solutions can help your business thrive in 2025 and beyond. Call us now on 01 55 636 55 or email hello@businessloans.ie.

Be Business Loan Ready for 2025: Essential Steps for Small Business Owners

As 2025 approaches, securing financing for your small business is more critical than ever. Whether you’re looking to expand operations, invest in new technology, or manage cash flow, being prepared for lenders can make all the difference. Here’s a comprehensive guide to ensure you're ready to impress the lenders and secure the funding you need:

1. OrganiSe Financial Statements

Lenders will want to see detailed financial statements, including balance sheets, income statements, and cash flow statements. Ensure these documents are accurate and up-to-date. This transparency shows lenders you have a clear understanding of your business’s financial health.

2. Create a Solid Business Plan

A well-crafted business plan demonstrates your vision and strategy for growth. Include detailed market analysis, business goals, and a clear plan for using the loan. A strong business plan reassures lenders about the potential success and stability of your business. This will be necessary for bank loans but many non-bank lenders can work without this.

3. Maintain a Consistent Cash Flow

Cash flow is crucial for loan repayment. Ensure your business has a steady cash flow by managing receivables and payables effectively. Lenders look favorably on businesses that can demonstrate consistent revenue streams. If you’re struggling with cash flow because of debtors taking too much time to pay then invoice finance can help.

4. Build a Strong Relationship with Your Bank

Establishing a good relationship with your bank can be beneficial. Regularly communicate with your bank’s representatives and keep them updated on your business’s progress. A strong rapport can provide valuable insights and improve your loan application’s chances.

5. Prepare Collateral

Some loans may require collateral. Identify assets that can be used as collateral and understand their value. Having collateral ready can make your loan application more attractive to lenders. Examples of collateral are business buildings, vehicles and machinery.

6. Seek Professional Advice

Consult with financial advisers or business loan brokers to get expert advice on preparing your loan application. They can provide insights into what lenders are looking for and help you optimise your application for approval.

7. Stay Informed About Lending Trends

Lending criteria and trends can change. Stay informed about the latest developments in the financial sector to anticipate and adapt to changes. This knowledge can help you position your business more favorably to potential lenders.

Conclusion

Being prepared is half the battle when it comes to securing business financing. By following these steps, you can enhance your business’s appeal to lenders and increase your chances of securing the funding needed to thrive in 2025. Start early, stay organized, and don’t hesitate to seek professional advice to navigate the complex landscape of business financing.

If you’re considering getting business loans for 2025 call the BusinessLoans.ie team on 01 55 636 55 or email hello@businessloans.ie to get fast finance feedback on what loans might work and initial feedback on potential amounts.

Business loans in Ireland for 2025

BusinessLoans.ie has thankfully seen a downward trend in interest rates in recent months and expects this to continue in 2025. There are now more non-bank lenders in the market offering faster quotes at competitive rates. In this post we will examine some quote options that could work for Irish businesses in 2025.

Unsecured loans

For businesses that require working capital, expansion funding, equipment and more there are fast turnarounds on simple unsecured loan quotes, generally within 24 hours up to €500,000. Terms up to five years achievable. Expect low paperwork requirements: accounts, bank statements and tax clearance certificate. For likely approval recent accounts should be in profit and no recent missed payments in bank statement history.

Flexible loans

Businesses with steady cash flow and sales of €20,000 a month minimum a flexible loan can work. This can work for businesses trading as little as 9 months. Get up to €200,000. Maximum loan is generally about the same as one month’s average sales. Term up to 12 months with a regular small repayment that can vary in line with business cash flow. This works because open banking is connected. Approval can be easier with tight profit businesses or tax phased payment plans in place.

Merchant cash advance

These loans are readily available for businesses taking payment by card or online merchant accounts, trading as little as three months. Get up to €500,000. This will depend on the volume of monthly sales the business is doing. The loan is repaid with a fixed pecentage deduction of the daily merchant account total. Terms up to 12 months.

Invoice finance

Businesses that are waiting for debtors to pay can release cash flow from invoices through invoice finance. There are one-off options and ongoing whole book of debtor solutions. Get up to 90% of the value of an invoice released, with a final settlement with the debtor pays. This can work for early stage businesses and established businesses alike.

Trade Finance

It’s possible to get purchase orders financed for businesses trading over one year. This can help with extending supplier terms too, up to 120 days. It won’t work for every business but is especially useful to businesses waiting for containers of product in transit.

Asset finance

Businesses trading over one year can get equipment, machinery and vehicles financed over terms up to seven years. Get manageable repayments that ease cash flow burdens. Choose from hire purchase or leasing depending on what suits your business and tax liabilities.

The BusinessLoans.ie team is available to get fast finance quote feedback ready to help you on your way to a successful 2025. Call us now on 01 55 636 55 or email hello@businessloans.ie.

Recent client: Flexible loan for flooring business

BusinessLoans.ie recently helped a flooring business with a flexible repayment loan. They had big expansion plans and invested a lot of their working capital to get into the UK market. They already were making use of invoice finance and our partner credit team saw more room for credit based on their ongoing and upcoming sales. They were happy to get a €250,000 facility over 12 months, with a view to getting a second facility for the same amount during that term. The loan has a flexible repayment that works in tune with cash flow and stays on target to be repaid in the agreed time. This was especially useful to the client who sometimes had irregular cash flow, in between projects.

Could this loan work for you? If your business is trading at least 9 months and is averaging at least €20,000 sales a month then enquire now.

Does your business want a fast finance quote? Call us now on 01 55 636 55 or email hello@businessloans.ie.

Business loan without a personal guarantee? Time running out!

Your business may be able to get a loan through the Ukraine Credit Guarantee Scheme (UCGS). It gives you lower rates and without personal guarantees.

The partner credit team's allocation of funds under this scheme are due to run out in 4 - 6 weeks. If your  business needs funds for working capital, expansion etc. the time to act is now!

What is UCGS?

Our partner credit teams have access to Strategic Banking Corporation of Ireland (SBCI) funds under the UCGS. Businesses that have seen costs go up 10% can qualify, for example, inflation on utilities and fuel.

Loan features:

• Rates start at 5.65%.

• Loans from €10,000 to €250,000.

• Terms from 12 months to 36 months.

• No personal guarantee.

• Instant funding on acceptance.

• Unsecured business loans for working capital or investment. 

If a business qualifies under the scheme, it still needs to pass the underwriting process. Expect to need to have accounts in profit, a tax clearance certifiate and no recent missed payments in the bank statements. Call the BusinessLoans.ie team on 01 55 636 55.

BusinessLoans.ie latest deal - Ukraine Credit Guarantee Scheme loan

BusinessLoans.ie is happy to have helped our client with a third finance deal. They’re involved in upgrading lighting on roadways and are working on public contracts. They required funding to help with this, especially ordering from their suppliers. They were approved quickly at a low rate and without directors’ personal guarantees because it was under the Ukraine Credit Guarantee Scheme. Many businesses that have been hit with increased costs due to inflation attributed to war can qualify.

Does your business need a fast finance quote? Call the BusinessLoans.ie team on 01 55 636 55 or email hello@businessloans.ie.

BusinessLoans.ie latest deal - Stocking finance

BusinessLoans.ie is happy to have helped our client for the fourth time. They needed a new stock of machinery to sell on. While they enjoy some supplier terms they improve their buying power with cash and bulk deals. Along with this they need flexibility in terms they offer to some of the clients they sell machinery on to.

They had tried their bank, however they had approval issues in the past because of tight margins and profit. BusinessLoans.ie has finance partners who can sometimes help in their situation, where there is high turnover and steady cash flow. They got a flexible repayment loan approved in 24 hours; and it worked for them. They were able to renew the facility again and grow their business in the past couple of years.

Does your business need a fast finance quote? Call the BusinessLoans.ie team on 01 55 636 55 or email hello@businessloans.ie.

Need a fast finance quote?

Many business owners we speak with are already trying their bank for a loan. In Ireland up to 80% do so. However there are many reasons to try BusinessLoans.ie.

1. 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. Or if you need a bigger amount, don’t worry. Get up to €1,000,000 funded in 24 hours.

2. We compare the market. There are a number of loan quote options available, outside of your bank. We use non-bank lenders. They have modern systems and underwriting processes. That often means far less paperwork, delay, hassle and expense; and multiple quotes to compare.

3. We give you ongoing support. Sometimes an opportunity comes along in business that you can’t pass up. A supplier needs to liquidate some stock quickly? We might just be able to get you on to that deal. A debtor has broken their promise and left you in a cash flow pickle? A one-off invoice finance deal could bridge the gap. We’re ongoing partners to our clients.

Does your business need a fast finance quote? Call the BusinessLoans.ie team on 01 55 636 55 or email hello@businessloans.ie.

Recent deal: Seafood seller catches a €150,000 working capital loan

BusinessLoans.ie is celebrating another successful finance deal. It was for a seafood exporter expanding into new markets. The business has been enjoying year-on-year growth with significant sales into China; and now enjoying better margins in their new USA market. They were happy with €150,000 approved in 24 hours, at a fair rate.

Does your business want to hook a fast finance quote? Call us on 01 55 636 55 or email hello@businessloans.ie.

Business Loans: Ukraine Credit Guarantee Scheme

BusinessLoans.ie is happy to have access to the Ukraine Credit Guarantee Scheme (UCGS). It gives businesses lower rate loans and without personal guarantees.

What is UCGS?

Our partner credit teams have Strategic Banking Corporation of Ireland (SBCI) funds under the UCGS. Businesses that have seen costs go up 10% due to war can qualify, for example, inflation on utilities and fuel.

Loan features:

• Rates start at 5.65%.
  

• Loans from €10,000 to €250,000.
  

• Terms from 12 months to 60 months. 
  

• No personal guarantee.
  

• Instant funding on acceptance.
  

• Unsecured business loans for working capital or investment. 
  

If the business qualifies under the scheme, it still needs to pass the underwriting process. Expect to need to have recent filed accounts in profit, a tax clearance certifiate and no recent missed payments in the bank statements.

Does your business want a fast finance quote? Call the BusinessLoans.ie team today on 01 55 636 55 or email hello@businessloans.ie.