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.

The Irish business lending scene is very fluid at the moment with pillar banks & alternative lenders having access to an ever changing range of SBCI, government-backed loan options. However, the lenders can only work within their lending rules. If your business has imperfect accounts & bank statements you could get a decline, especially for the straightforward unsecured loan options. In this situation, if your business owns assets, a secured loan could work.

There are two primary types of secured loans. The first and easiest is if your business has vehicles & machines, less than 12 years old. They need to be in full ownership or have little outstanding finance. BusinessLoans.ie can get our partners to see if a secured loan is possible and, if so, what’s the maximum available. The rates can vary depending on the risk assessment and it costs nothing to get the approval information. You could also qualify for discounted rates under the Credit Guarantee Scheme. If your business expects a hit in turnover or net profit due to Covid-19 of 15% or more then you should be able to get access to lower rates. Loan sizes of €20,000 and upwards, depending on values of assets, can be facilitated.

The second type of secured loan is based on business-owned land & buildings. While you can expect low rates, there is more complexity and therefore more expense in constructing this type of loan. This is because of set legal fees, quantity surveyors & other professionals involved in getting these loans to approval stage. Loans don’t make sense for lower amounts. The business needs to have a requirement and equity for amounts of €250,000 and upwards for property-backed loans through our partners.

BENEFITS FOR YOUR BUSINESS

Approval for businesses that have assets
Release working capital that’s otherwise locked up
Less checks from lenders on purpose of loan

KEY CRITERIA TO ACCESS FUNDING

Your business has vehicles & machines of value
Your business has land & buildings with equity
Your business passes the credit check

BusinessLoans.ie is here to help get your secured loan quotes built. Best of all we will never ask you for a fee. We are available 7 days to assist with straightforward unsecured loan quotes where possible & if for any reason the secured loan route will work best for your business initiative, you can get fast approval feedback from the best panel of lenders serving Irish business. Call us on 01 55 636 55.