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.

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.

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.

Recent deal: Steel shed builder gets a €75,000 stocking loan boost

BusinessLoans.ie is celebrating another happy client. It was for an engineering firm that needed bulk steel at a good price to finish a flurry of recent orders. The business owner felt their bank would take too long and was looking for a quick turnaround. They got a 24 hour approval through a non-bank lender at a fair rate. They took a 12 month term and were happy to know they could exit the loan early if they wished to save on interest.

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

Recent deal: Fire protection business gets a €50,000 cash flow loan

BusinessLoans.ie is celebrating helping another client. It was for a business in fire protection & construction services. The business had been trading for a few years, built up solid turnover and reinvested in growing the business. However, they had reliable but slow paying debtors such as county councils and much of their cash was tied up here. Net profit was tight and they had an arrangment with Revenue, so no tax clearance certificate. Their bank was unable help and they had wages and other bills to pay.

BusinessLoans.ie identifed a flexible repayment loan that could work due to their sizable turnover. They got €50,000 funded in days and were happy to have a flexible repayment that worked in tune with their cash flow cycle.

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

Recent deal: A pub gets a €60,000 working capital boost

BusinessLoans.ie is celebrating another happy client. It was for a pub business in need of extra working capital. They were renovating accommodation to take in refugees; and generally needed cash flow help because of inflation pressures. They had previously tried a lender and were quoted a high interest rate and short term. We organised a quote within 24 hours. They got the amount they wanted, the 3 year term they wanted and a rate they were happy with. The business owner was especially pleased that there was no early repayment penalty and planned to fix up the balance of the loan in 18 months and save on interest.

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

Top 5 reasons why Irish business owners use alternative finance

In Ireland the main banks provide most business loans whereas in the USA non-bank lenders do the most. It’s a trend that’s moving more in the direction of alternative finance every year. Banks have strengths in certain areas and are good at what they do. Non-banks fill the void for newer ways of doing business, for example, fintechs can build systems quicker using different data such as merchant account information. That could be from e-Commerce payments such as Stripe or brick-and-mortar shop’s card payments. Banks are somtimes slower to keep up with changes or just happy to focus on core business.

Top 5 reasons to use alternative business finance

1. Bank taking too long. Our lending partners can offer same day approval and most of the time act quicker than banks. Many CFOs start working on bank applications months in advance of a forecasted need. However, business owners are often putting out fires and need to plug holes in cash flow as they arise; alternative finance can be more accommodating.

2. Bank requesting too much information. Our lending partners can often approve loans with two documents: accounts & bank statements. Business owners we help have often been frustrated by bank requests for reams of documents including draft accounts, business plans, cash flow forecasts, schedules of debt, aged creditors & debtors files and more. Key concerns are expense and availability of their accountant to produce the information in a timely manner.

3. They have some missed payments. Our lending partners can be more forgiving than banks when business owners have left finance applications too late with resultant bounced direct debits and referral charges showing in the bank statements. There are a wider variety of non-bank lenders with different risk thresholds who may quote.

4. They have a seasonal business. Most banks focus on term loans that have regular repayments over a fixed period but what if you have a seasonal business with limited cash flow at certain times of the year? For example, a hotel in the West with a busy summer and quiet winter, it can be challengng to get banks on board on term loan products. Alternative lenders can use merchant account based lending with a flexible repayment that is more in tune with this business’s cash flow cycle.

5. They neeed more than they were quoted. Banks may only see so much room for credit and this might not achieve the amount the business owner needs. In these cases there may be alternative lenders who can step in, whether that’s unsecured lending or specialist asset based lending.

Does your business have a plan to grow in 2023 that requires financing? Call the Business Loans team on 01 55 636 55 for fast finance quotes or email hello@businessloans.ie.

Bridging loan options for Irish businesses

BusinessLoans.ie often has calls from business owners in need of short-term business loans. The reasons can vary but the key theme is a cash flow problem that’s being solved in the coming months wtih a job being finished, debtor paying or sale of stock. The immediate stress is making payroll or meeting other obligations as they fall due. Cash flow forecasting is important here because as soon as business bank statements start showing referral charges for missed direct debits and standing orders, loan quote options narrow quickly. Here are options to bridge a shortfall in cash flow:

Simple unsecured loans

If the accounts are in profit and the bank statements don’t have too many missed payments a simple unsecured loan can overcome a short-term cash flow issue. Credit teams can quickly indicate if adesired amount is possible, with a few simple documents. If a business doesn’t have an up to date tax clearance certificate, solutions can still be available but at higher rates.

Asset refinancing

Sometimes losses on accounts or bank statement performance make unsecured loans too challenging for approval. Businesses that have assets of value, that are relatively new, are owned outright or with little finance outstanding, might be able to get a working capital loan through refinancing. A list of assets can be assessed to see how much can be achieved.

Property backed bridging loans

Businesses might own land or buildings that can be used as collateral for bridging loans. Such loans can be used for a variety of reasons, from solving a cash flow issue to freeing up capital for a renovation of another property or purchase at an auction. Loan size is key here. Lenders might release up to around 70% of the value of the business’s property, but because of expensive fees for due diligence in organising the loans you might be lucky to find a lender with a starting loan size of €250,000. In such cases, if it was 70% Loan-To-Value, the value of the collateral property would need to be €325,000.

One-off invoice finance

Invoice finance, through online applications and Open Banking, has become easier for one-off or on-demand services to help business owners whenever they need it rather than being tied into long-term contracts. If a business has reputable Irish limited company debtors this will be an easy process because lenders need to check online systems to see if they can get credit insurance on the debtor. Businesses can get a list of debtors checked to see what can be financed and to what limits.

Merchant cash advance

If a business uses a card machine or merchant account then short-term loans from 3 months are possible based on the volume of sales. This can be an easy choice with a quick turnaround time. Businesses also enjoy a flexible repayment that works with their cash flow cycle.

If your business needs a short-term loan, medium-term loan or long-term loan we’ve got you covered. Call the BusinessLoans.ie team for fast finance quotes on 01 55 636 55 or email hello@businessloans.ie.