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Butchers & butcher shops · Ireland
Butcher
business loans.
Upgrade a refrigerated counter, replace equipment or buy stock ahead of a busy period. We help Irish butchers compare equipment finance and business loans through specialist and non-bank lenders, with options for retail card sales and qualifying invoices from restaurants, hotels and other trade customers.
Refrigeration & butcher equipment
For suitable equipment used to store, prepare and display your products.
- Eligible refrigerated counters, cold rooms and freezer equipment
- Suitable mincers, slicers, sausage-making and vacuum-packing machinery
- Leasing or hire purchase on suitable new or used equipment
- Equipment-finance deals from €10,000, typically with a 10% dealer deposit
- Smaller equipment packages depend on the items and lender
- Include installation costs in the supplier quote for review
Card-sales working capital
For butcher shops with regular customer card payments.
- Merchant cash advance can be quoted from 90 days trading
- At least €5,000 monthly card takings
- May help with stock, packaging, wages and everyday business costs
- Collections are linked to an agreed percentage of card sales
- The collection percentage is not the interest rate or total borrowing cost
- Check the total amount repayable and effect on daily cash flow
Term loans for stock & growth
For established businesses funding stock, shop improvements and a larger workload.
- Stock purchases, packaging, supplier payments, wages and energy costs
- Shop refurbishment, recruitment, marketing and expansion
- At least 12 months trading and one full year's completed accounts
- Latest accounts showing €100,000 or more turnover and a net profit
- No recent missed payments on business bank statements
- The lender assesses affordability and existing commitments
Trade invoices & payment gaps
For supplying restaurants, hotels and other business customers on account.
- Invoice finance may suit qualifying unpaid business-to-business invoices
- A wider ledger facility may suit recurring trade deliveries
- One-off or ad hoc invoices from €100,000
- Customer quality, payment terms, returns and credits affect eligibility
- Retail sales and future orders are not the same as eligible invoices
- Flexible repayment loans may suit businesses from 9 months trading with steady cash flow and around eight or more deposits a month
Business finance only, not personal loans. Unsecured term loans are not registered against property or business assets, but some lenders ask for a personal guarantee. All options depend on lender assessment, purchase suitability and affordability.
Match the finance to your sales
Shop-counter card sales and trade deliveries have different payment patterns. Compare merchant cash advance for eligible card-sales businesses with invoice finance for qualifying trade invoices. For suitable refrigeration and machinery, explore asset finance, or term and flexible repayment loans for wider costs.
Our food and drink producer finance, retail finance and importer and wholesaler finance pages cover related businesses. If you are opening your first shop, see new-business finance.
Taking card payments? Compare eligibility, repayments and costs on our merchant cash advance page.
Guides for your industry
16 October 2026
How to Secure Equipment Finance in Ireland: A Guide
Table of Contents How to Secure Equipment Finance in Ireland: Step-by-Step What You'll Need Before You Apply Types of Equipment Finance Available Equipment Finance Application Requirements Documents Lenders Typically Ask
Read guide →
3 November 2026
Is a Merchant Cash Advance Right for Your Irish Business?
How merchant cash advances work in Ireland: card-sales repayments, costs, eligibility from 90 days trading and the alternatives to compare before applying.
Read guide →
20 October 2026
Business Loan With Seasonal Cash Flow: A Practical Guide
How seasonal Irish businesses can borrow well: loan types that suit uneven income, building a cash flow forecast lenders trust, and repayments that match your trading year.
Read guide →
2 November 2026
Invoice Finance Ireland for Growing SMEs
Release cash tied up in unpaid B2B invoices. Understand factoring, invoice discounting, lender fees and the documents Irish SMEs need.
Read guide →
Common questions
Can I finance a refrigerated counter or cold room?
Suitable refrigeration and cold-storage equipment may qualify for leasing or hire purchase. Send a supplier quote showing the equipment and purchase value, including installation costs for lender review. Suitability, age and business affordability matter; not every installation or building cost qualifies.
Can I finance mincers and packaging equipment?
Suitable preparation and packaging machinery may be considered for equipment finance. Send the supplier quote with item details and values. Small tools or mixed packages depend on the lender, so do not assume every item qualifies.
Can my shop's card takings support funding?
Merchant cash advance can be quoted from 90 days trading with at least €5,000 monthly card takings. Collections use an agreed percentage of card sales, but that percentage is not the borrowing cost. Approval depends on lender assessment; compare total repayments and what remains for stock and bills.
Can a term loan cover stock and shop improvements?
A term loan may cover stock and wider business costs for an established butcher. You need at least 12 months trading and one full year's completed accounts, turnover of €100,000 or more, a net profit and no recent missed payments. Affordability and existing commitments also matter.
Can I fund invoices from restaurants and hotels?
Invoice finance may suit qualifying business-to-business invoices for goods already supplied. One-off or ad hoc invoices start at €100,000; a wider ledger facility is another option. The lender reviews customer quality, terms, credits and disputes. Do not assume future orders or disputed balances qualify.
What if I need extra stock for Christmas or barbecue season?
Set out when suppliers need paying and when sales receipts should arrive. Allow for shelf life, wastage, staffing and quieter weeks after the busy period. Compare repayments with realistic cash flow rather than assuming every stock purchase sells immediately.
Can you help with a refrigerated delivery van?
We can look at finance for an eligible business van. Include refrigeration or other specialist conversion costs in the dealer quote for lender review. Vehicle age, value, supplier and affordability determine the options; not every conversion qualifies.
Can a new butcher shop apply?
A shop with sufficient card takings may be considered for merchant cash advance from 90 days trading. Equipment criteria vary, while term loans need one full year's completed accounts and the turnover and profit criteria. For a pre-trading business, our new-business page points to banks, Microfinance Ireland and the National Enterprise Hub.
What should I send to get started?
Send recent business bank statements, the amount needed and its purpose. Include card-processing statements for merchant cash advance, supplier quotes for equipment and latest completed accounts for a term loan. For invoice finance, include an aged debtor ledger and sample trade-customer invoices and terms.
Do you charge a broker fee?
No. We do not charge clients a fee; lenders pay us a commission when funding completes. Lender interest and charges are separate and should be checked before accepting an offer.
Free to you. Lenders pay us a commission when your loan completes. How we get paid