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Construction & trades · Ireland
Construction
business loans.
Construction cash flow is lumpy: materials go out before payments come in, and main contractors pay on their own schedule. We arrange funding built around how the trade actually works.
Unsecured & asset finance
For working capital, plant, vans and equipment.
- Unsecured term loans from 12 months trading
- Flexible repayment loans from 9 months trading
- Hire purchase or leasing on plant and machinery, up to 7 years
- €5,000 to €500,000
Invoice finance
For contractors and subcontractors waiting on certified payments.
- Unlock up to 95% of unpaid invoice value
- One-off invoices from €100,000, or your whole ledger
- Works with staged and milestone billing
- Cash in days, not months
Bridging & development finance
For site purchases, refurbs and development projects secured on property.
- Property bridging from €250,000 up to €5m
- Typically 12 months, with options to extend or refinance
- Up to 75% loan-to-value, indicative terms within 24 hours
- Development finance considered case by case
Guides for your industry
6 November 2026
Finance for Small Construction Companies in Ireland: What's Available and How to Line It Up
Most small builders are not short of work — the squeeze is cash flow. How unsecured loans, bridging finance and development finance each fit a different problem for Irish construction firms.
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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.
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5 September 2025
From Subcontractor Pressures to Main Contractor Growth: How We Secured Funding in Days
For many businesses in construction-related industries, cash flow pressures are a constant challenge. Subcontractors often get squeezed, with turnover dropping and creditor days pushing out. And when cash flow tightens,
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16 October 2025
Fast Funding for Growth: €150,000 Approved for Modular Homes Business
At BusinessLoans.ie, we recently helped a leading Irish modular homes manufacturer secure €150,000 in flexible business finance to support their next stage of growth. The funding, approved over a 3-year term , will be us
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5 November 2026
Same Day Business Loan Approval Explained
Same-day business loan approval is possible for some Irish SMEs — but only when the application is complete, the figures stack up and the facility fits. Here is how it really works.
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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
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Common questions
Can I get funded while I'm waiting on a big invoice?
Yes — that's exactly what invoice finance is for. If you bill other businesses, we can look at advancing against those invoices rather than waiting out the payment terms.
I've only been trading a year. What are my options?
With 12 months trading and one year's accounts, unsecured term loans are possible if turnover is €100,000+ with a net profit. Flexible repayment lenders will look from 9 months, and one specialist lender may consider 90 days.
Can I finance a digger or a van?
Yes — hire purchase or leasing on vehicles, plant and machinery, with terms up to 7 years.
Can I get funding to buy a site or take on a development?
Yes — bridging finance secured on property runs from €250,000 up to €5m, typically over 12 months with options to extend or refinance into a term loan. Development finance for building projects is considered case by case, depending on the site, planning and your track record.
Free to you. Lenders pay us a commission when your loan completes. How we get paid