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Garages & mechanics · Ireland
Garage business loans
& equipment finance.
Fit out your workshop, replace tired equipment or keep cash available for parts and wages. We help Irish garages and mechanics compare equipment finance, term loans and merchant cash advances through specialist lenders.
Equipment finance
Spread the cost of workshop equipment rather than paying for it all upfront.
- Hire purchase or leasing for suitable new or used equipment
- Vehicle lifts and ramps, diagnostics equipment and tyre machines
- Compressors, wheel balancers, alignment systems and workshop tools
- A supplier quote helps us compare the options
- Eligibility and repayment terms depend on the equipment and your business history
Term loans for premises work
For established garages investing in their workshop or adding capacity.
- Unsecured term loans from €5,000 to €500,000
- From 12 months trading with one year’s accounts
- Annual turnover of €100,000 or more and a net profit
- No recent missed payments on bank statements
- Fund extensions, refits, extra bays and working capital with monthly repayments
Merchant cash advance
For garages with regular card takings that need working capital.
- From 90 days trading
- Typically €5,000 or more in monthly card takings
- Repayments collected as a share of eligible card sales
- Cover parts, wages and the day-to-day costs of running the workshop
- Compare the total cost and any minimum-payment conditions before deciding
Finance is subject to lender assessment. Unsecured term loans are not registered against property or business assets, but some lenders ask directors for a personal guarantee. Merchant cash advances depend on eligible card takings.
How it usually works
Equipment first, premises when you’re ready
Most garage owners we work with start with the equipment that earns money: a new ramp, better diagnostics or a tyre machine that stops you turning work away. Asset finance spreads that cost over the working life of the equipment.
When the workshop itself needs work — an extension, a refit or another bay — an unsecured term loan can fund the project with fixed monthly repayments, and the two can sit side by side.
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 →
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 →
8 November 2026
How Quickly Can SMEs Borrow Money in Ireland?
A supplier deadline, a replacement vehicle or cash tied up in invoices: find out what speeds up Irish SME finance, what to prepare and how to choose funding that fits.
Read guide →
Common questions
Can I finance ramps, diagnostics and tyre machines?
Yes. Suitable new or used workshop equipment can be considered for hire purchase or leasing, including vehicle lifts and ramps, diagnostics equipment, tyre machines, compressors and wheel balancers. Send us the supplier quote and details of your business so we can compare the options.
Can I borrow for premises work on my garage?
An established garage may qualify for a term loan to help with extensions, refits, extra bays and working capital. Unsecured term loans require at least 12 months trading, one year’s accounts, annual turnover of €100,000 or more, a net profit and no recent missed payments.
My garage is fairly new — what are my options?
A merchant cash advance can be considered from 90 days trading if your garage has regular eligible card sales, typically at least €5,000 a month. Equipment finance may also be an option depending on the equipment and your trading history.
Free to you. Lenders pay us a commission when your loan completes. How we get paid