Unlocking Construction Finance: Key Takeaways from the National Construction Summit 2025

The National Construction Summit 2025 was a fantastic opportunity to connect with industry professionals, explore the latest trends, and showcase how BusinessLoans.ie can help Irish construction businesses access fast and flexible financing solutions. Held at the state-of-the-art Sport Ireland Campus in Blanchardstown, Dublin, the event highlighted major infrastructure investment plans and the challenges faced by contractors, developers, and suppliers in securing working capital.

Key Insights from the Summit

The construction sector in Ireland is poised for significant growth, with €165 billion earmarked for infrastructure projects over the next decade as part of the National Development Plan (NDP). However, businesses still face major hurdles, including rising material costs, labour shortages, and the ongoing challenge of securing finance.

During the two-day summit, BusinessLoans.ie engaged with construction companies seeking funding for a range of needs, including:

• Working Capital Loans: One of our clients we met there requires an unsecured loan of up to €500,000 to support ongoing projects. We are able to progress this swiftly, to ensure they have the funds needed to maintain operations and take on new contracts.

• Bridging Loans: The same construction company owns several buildings and is looking to leverage them for short-term development financing. By structuring a bridging loan, we will provide a flexible funding solution to help them capitalise on upcoming opportunities.

• Investment & Expansion: Many businesses are thinking long-term, with plans to raise larger investments. We have Enterprise Investment Incentive Scheme (EIIS) contacts to support our client in securing tax-efficient growth capital.

Construction Finance Solutions for 2025

At BusinessLoans.ie, we specialise in helping construction businesses secure tailored financing solutions quickly and efficiently. Here are four key funding options available in 2025:

1. Unsecured Business Finance – Up to €500,000
   Need fast access to cash without collateral? Unsecured finance offers a quick solution to cover expenses, pay suppliers, and keep projects moving.

2. Asset Refinancing – Up to €1 Million
   If your business owns machinery or vehicles, you can unlock equity tied up in these assets to reinvest in growth and operations.

3. Bridging Loans – From €250,000
   Perfect for businesses that need short-term finance before selling a property or securing long-term funding.

4. Development Finance – From €500,000
   Looking to take on a new project? Development finance helps secure the necessary capital to break ground faster.

Why Work with BusinessLoans.ie?

Traditional bank loans come with long approval processes and strict criteria, often making it difficult for construction firms to access funds when they need them most. BusinessLoans.ie works with alternative lenders to provide:

• Faster approvals and streamlined applications

• Flexible terms tailored to your project needs

• Competitive rates and customised financing solutions

If you’re a construction business looking for financing, our team is ready to help. Call us today at 01 55 636 55 or APPLY HERE to get a fast finance quote and keep your projects moving forward.

Final Thoughts

The National Construction Summit 2025 reinforced the immense opportunities and challenges in the Irish construction industry. Whether you need working capital, development finance, or a short-term bridging loan, BusinessLoans.ie is here to support your growth. Let’s build the future together!

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.

Recent deal: Dublin scaffolding firm gets €300k equipment loan

BusinessLoans.ie is celebrating another successful loan. Our client was a large Dublin scaffolding business. They are very busy and experiencing good year-on-year growth. A purchase of €300,000 of scaffolding was required to service more contracts. Banks had been unhelpful. They also tried non-bank asset finance companies but scaffolding is considered unsuitable for hire purchase & leasing.

BusinessLoans.ie identified a non-bank lender who could quote them unsecured based on the strong performance of their accounts & bank statements. They were approved & funded quickly, at low rate on the €300,000 over a 3 year term. The business owner was pleased there was no early repayment penalty. If, during term, the company has excess cash reserves they can settle the loan and save on remaining interest.

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

Recent deal: Construction company gets capital for machines & projects

BusinessLoans.ie is celebrating another happy client. An Irish construction firm secured over €110,000 to assist with machinery & working capital for a new housing project. Their business performed well in 2021 but a payment they were expecting was delayed. This impacted their cash flow and planning for their next big job. The owner had identified a used machine at a bargain price. While it was in great condition, it was too old for many asset finance lenders to quote. Our unsecured lender was unconcerned with the age of the asset. The business’s accounts & bank statement performance were strong enough to make the lending decision without taking a charge on the machine. The business owner was able to draw down their funds in days and got a machine that will be of great benefit to their ground works for their new project. On top of this they have some additional working capital left over to assist until the first stage payment comes in, easing cash flow pressure.

Does your business need a loan? Email us at hello@businessloans.ie or call 01 55 636 55 for fast finance quotes.

Construction finance for social & affordable housing in Ireland

BusinessLoans.ie is happy to announce a new social housing construction finance partnership. It has a quick turnaround and competitive rates. Property developers have a host of EU and Irish Government backed loan options available but many are finding the red tape too much. Our partner is keen to get funds out as quickly as possible and makes it easy. Here’s what you can expect:

• A base rate from 7%

• Deals below €3 million, 1.5% in and 1.5% out

• Deals above €3 million from 1% in and 1% out

• Deals from €1 million to €200 million

• Only pay interest when you draw down a tranche

• Recycle loan, keeping funding cost down

• A credit team that will value your site on what it’s worth today; not what you bought it for

• 75% Loan To Value

• 80% Loan To Cost

If you’re sitting on sites and want to develop in the social & affordable space talk to the Business Loans team today on 01 55 636 55. We’re here for you 7 days to get approval feedback.

BusinessLoans.ie MD Rupert Hogan talks finance on iProperty Radio

Rupert Hogan, MD of BusinessLoans.ie spoke with Carol Tallon on iProperty Radio about all things construction finance and SMEs in Ireland. The show is on Dublin South FM from 6-7 pm every Tuesday and features all the news on the Irish property world. Here are the key points Rupert covered:

• Construction SMEs are finding support from non-bank lenders

• What’s hot right now is the Covid-19 Credit Guarantee Scheme

• For construction businesses affected so badly by restrictions, it’s available through many lenders and with many different types of finance

• If accounts are still showing profit, simple unsecured loans up to €250k are there

• If accounts are weaker consider secured lending, invoice finance & asset finance

• Bridging loans based on business-owned property start at €150k and go in to the multi-millions

• Development finance is readily available

• If construction companies are concerned about the viability of their business talk to their accountant or get free advice and support from the Local Enterprise Office