Hotels & accommodation · Ireland

Hotel
business loans.

Refresh rooms, replace kitchen equipment or fund the quieter months before the next busy season. We help hotels and accommodation businesses match finance to the investment and the way revenue arrives.

Hotel refurbishment & equipment

For rooms, furniture, kitchens and improvements to your property.

  • Hire purchase or leasing on suitable equipment, up to 7 years
  • Term loans for refurbishment and working capital
  • Unsecured term loans from 12 months trading
  • Flexible repayment loans from 9 months trading

Seasonal working capital

For hotels taking regular card payments.

  • Merchant cash advances from 6 months trading
  • Typically €5,000 or more in monthly card takings
  • Repaid as a share of card sales
  • Smaller repayments when card takings are lower

Finance is subject to the lender’s assessment. Unsecured term loans require at least 12 months trading, one year’s accounts, turnover of €100,000 or more, a net profit and no recent missed payments. Flexible repayment loans require steady cash flow — around 8 or more deposits a month. Loans are not registered against property or business assets, but many lenders ask for a director’s personal guarantee.

Common questions

Can I fund a hotel refurbishment before peak season?

Yes — a term loan may cover refurbishment, while equipment finance can spread the cost of suitable furniture and kitchen equipment. We can look at both as part of your project.

What funding suits a seasonal hotel?

A merchant cash advance follows card takings, so repayments fall during quieter periods. Term and flexible repayment loans may also be options depending on your trading history and cash flow.

Can I finance replacement kitchen equipment?

Yes — suitable new or used kitchen equipment can be considered for hire purchase or leasing. A supplier quote helps us compare lender options and repayment terms.