Menu
Couriers & delivery businesses · Ireland
Courier & delivery
business loans.
Add a delivery van, build capacity for a new contract or cover fuel and wages while waiting for customers to pay. We help Irish courier, parcel and local delivery businesses compare vehicle finance, business loans and eligible invoice finance through specialist and non-bank lenders.
Van & delivery fleet finance
For businesses buying a first replacement van or adding vehicles to an established fleet.
- Lease or hire purchase on eligible new and used vans
- Vans up to 10 years old and deals from €10,000 can be considered
- Dealers across the island of Ireland, including Northern Ireland
- Multiple vans and fleet purchases can be considered
- Indicative fixed monthly repayments over up to 5 years
- For the options described, a 10% dealer deposit; hire purchase also requires VAT upfront
Working capital for fuel & wages
For established delivery businesses funding the costs between collection and payment.
- Fuel, driver wages, insurance, repairs and wider business expenditure
- Term loans require 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
- Flexible repayment options from 9 months trading with steady cash flow
- Around eight or more deposits a month for that flexible repayment option
Invoice finance for delivery contracts
For eligible business-to-business invoices when customers pay after the work is done.
- May release funds against eligible unpaid customer invoices
- Can help bridge the gap between paying drivers and receiving customer payments
- The lender checks customer quality, invoices, contracts and payment terms
- One-off or ad hoc invoices from €100,000, or a facility for the wider ledger
- Not the same as financing a forecast, an unsigned contract or future deliveries
Equipment & contract expansion
For the practical costs of taking on another route or increasing depot capacity.
- Eligible depot equipment, IT equipment and security systems through asset finance
- Term loans may cover recruitment, premises improvements and wider setup costs
- Build in the cash needed before a new contract's first payment arrives
- An unsecured business loan may help with a van deposit or a private-seller vehicle, subject to eligibility
- Compare the full repayment commitment with the margin on the extra delivery work
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. Vehicle, invoice and loan options depend on lender assessment and affordability.
Fund the vehicle and the payment gap
Buying a van and paying drivers before your customer pays are different needs. Compare asset finance for eligible vehicles, invoice finance for qualifying customer invoices and term or flexible repayment loans for wider working capital.
Our van finance guide covers deposits, VAT timing and lease versus hire purchase. For heavier transport operations, see logistics and haulage finance; for a business just getting started, see new-business finance options.
Guides for your industry
13 November 2026
Van and Commercial Vehicle Finance: Hire Purchase vs Lease vs Loan
Buying a van for your Irish business? Compare hire purchase, leasing and unsecured loans, including 10% deposits, VAT timing, used vans, Northern Ireland dealers and fleet purchases.
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 →
21 April 2026
Working Capital Finance as Costs Rise for Irish SMEs
How Irish SMEs can manage rising costs and cash-flow gaps: compare working capital finance, understand interest-rate risk and check repayments before borrowing.
Read guide →
2 November 2026
Funding Your Haulage Business in Ireland: Asset Finance and Flexible Loans
Explore finance for new and used trucks, trailers and machinery, deposit funding, working capital and unpaid haulage invoices in Ireland.
Read guide →
Common questions
Can I finance a used courier van or several delivery vehicles?
Yes, eligible used vans up to 10 years old and deals from €10,000 can be considered. Fleet purchases and dealers across Ireland, including Northern Ireland, are possible. Vehicle, supplier and affordability criteria still apply.
What is the difference between the lease and hire-purchase deposit?
For the options described, both involve a 10% deposit paid to the dealer. Hire purchase also requires VAT upfront, while leasing spreads VAT through monthly payments. Ask your accountant about VAT recovery and tax treatment. Ownership is not automatic on every finance deal.
Can finance help while a delivery customer takes time to pay?
Eligible business-to-business invoices may suit invoice finance. One-off or ad hoc invoices start at €100,000; a wider ledger facility is another route. A working-capital loan may also be considered if your business meets the lender's trading, accounts and affordability requirements.
What do I need for a courier business term loan?
At least 12 months trading with one full year's completed accounts, turnover of €100,000 or more, a net profit and no recent missed payments on business bank statements. The lender also checks existing commitments and affordability; meeting the starting criteria does not guarantee approval.
What should I send for indicative van repayments?
Send a link to a vehicle from a reputable dealer, a quote, or the manufacturer, model, year, price and dealer details, plus 3 months of recent business bank statements. We can look at indicative repayments over up to 5 years. Tell us if you are buying a fleet or need help with the deposit.
Can a newly started courier business apply?
Equipment and vehicle lender requirements vary, so ask us to review a specific purchase. Term loans need a full year's completed accounts and the other criteria above. For pre-trading cash funding, a bank or Microfinance Ireland is a better starting point; our new-business page explains the stages.
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