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Groundworks · Ireland
Groundworks
business loans.
Whether you're a one-machine operator on driveways and extensions or a contractor running crews on developer sites, the costs land before the payments do. We help Irish groundworks businesses compare plant finance, working capital and term loans through specialist lenders.
Plant & machinery finance
Spread the cost of the diggers and dumpers you rely on every day, rather than paying for it all upfront.
- Hire purchase or leasing for suitable new or used assets
- Mini diggers, excavators, dumpers and rollers
- Attachments, breakers, lasers and site vans
- A supplier quote helps us compare the options
- Eligibility and repayment terms depend on the asset and your business history
Working capital for site costs
Cover concrete, drainage materials, hardcore and wages while you wait for staged payments or invoices to be paid.
- 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
- Take on bigger foundations, drainage and site clearance jobs without draining the business
Loans for growth
For established groundworks contractors hiring crews, adding machines or taking on bigger developer contracts.
- Term loans with fixed monthly repayments
- Limited company, Sole trader, Partnership accounts can all work
- Fund deposits on plant and machinery, certification, or taking on operators and labourers
- In some cases, loans secured on machinery you already own can work — assessed case by case
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. Machinery-secured loans are assessed case by case.
Why groundworks contractors come to us
Heavy kit, tight cash flow
Groundworks is the first trade on site, but the economics squeeze cash: concrete and drainage materials are in the ground before the job is signed off, staged payments from builders and developers lag behind the work, and the machines, insurance and fuel have to be paid for either way. Growing means spending — on plant, certification and people — before the extra revenue arrives.
Asset finance spreads the cost of diggers and dumpers, while a working capital facility or term loan keeps materials and wages covered between payments. For established contractors, term loans can fund extra machines or the move into bigger developer contracts.
Looking at the wider trades picture? Our trades business loans page covers the options across all trades, and our asset finance page explains how plant and machinery finance works.
Guides for your industry
28 October 2026
Funding for Irish Tradespeople: Your Options Explained
Unsecured loans, asset finance, van finance and sole trader lending explained for plumbers, electricians, carpenters and other Irish trades.
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3 November 2025
Turning Challenges into Wins: How Sole Traders Can Secure Business Term Loans
Running a small business on your own takes courage. Most sole traders I speak to are doing everything themselves, from chasing invoices to dealing with suppliers and managing tax returns. It’s no small job. When it comes
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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 finance a digger or dumper?
Yes — asset finance through hire purchase or leasing can spread the cost of mini diggers, excavators, dumpers, rollers and attachments over their working life. A supplier quote helps us compare the options.
Can I borrow to cover site costs before a job pays out?
Yes — this is one of the most common reasons groundworks contractors come to us. A working capital facility or term loan can cover concrete, drainage materials, hardcore and wages while you wait for staged payments or invoices to be paid, so a full order book doesn't drain your cash.
I'm a sole trader — does that matter?
No. Limited company, Sole trader, Partnership accounts can all work. What matters more is at least 12 months trading, turnover of €100,000 or more, a net profit and clean recent bank statements.
Free to you. Lenders pay us a commission when your loan completes. How we get paid