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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 90 days 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.
Guides for your industry
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 →
3 November 2026
Is a Merchant Cash Advance Right for Your Irish Business?
How merchant cash advances work in Ireland: card-sales repayments, costs, eligibility from 90 days trading and the alternatives to compare before applying.
Read guide →
20 October 2026
Business Loan With Seasonal Cash Flow: A Practical Guide
How seasonal Irish businesses can borrow well: loan types that suit uneven income, building a cash flow forecast lenders trust, and repayments that match your trading year.
Read guide →
30 January 2026
Getting Ready for Summer: How One Family Restaurant Used the Quiet Season to Invest in Growth
For many seasonal restaurants, winter is about survival. Doors stay open, costs are watched carefully and big decisions are often parked until the tourists return. But for one family run restaurant, this quieter period b
Read guide →
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.
Free to you. Lenders pay us a commission when your loan completes. How we get paid