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HR & people consultancies · Ireland
HR consultancy
business loans.
HR consultancies, outsourced HR providers and training firms sell expertise — and wait to be paid for it. Corporate clients pay on 30, 60 or 90-day terms while wages, software and office costs go out monthly. We help Irish HR businesses compare invoice finance, term loans and asset finance through specialist lenders.
Invoice finance for unpaid client fees
Release the cash you've already earned while corporate clients pay your consultancy, training or retained-service invoices on 30, 60 or 90-day terms.
- Advance of up to 95% of unpaid invoice value
- Finance can cover your whole sales ledger as it grows
- One-off or ad hoc invoice finance starts at €100,000 per invoice
- Suits firms billing business clients — retained HR support, training programmes and project work
- A revolving facility, so it grows and shrinks with your billing
Term loans for hiring and growth
Fund a new consultant, an office move, HR software or a marketing push and repay on a fixed schedule.
- 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
- Firms from around 9 months trading with steady deposits (about 8 a month) can look at flexible repayment loans instead
Asset finance for office and IT equipment
Spread the cost of the kit the practice runs on instead of paying for it in one go.
- Hire purchase or leasing for suitable new or used assets
- Laptops, servers, phone systems, office furniture and cars for client visits
- Leasing with no deposit on smaller items, and finance on suitable vehicles from €10,000
- A supplier quote helps us compare the options
- In some cases, loans secured on equipment 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. Equipment-secured loans are assessed case by case.
Why HR businesses come to us
You pay monthly, clients pay quarterly
An HR consultancy's costs are relentless — salaries, pensions, software subscriptions and rent go out every month — while corporate clients settle invoices on their own terms. A retained-support contract or a big training programme can be profitable on paper and still squeeze cash for months. Growth makes it tighter: the new consultant's salary starts long before their billings catch up.
Invoice finance turns issued invoices into cash now, a term loan funds hiring, software or an office move on a fixed schedule, and asset finance spreads the cost of laptops, servers, office furniture and cars over their working life.
Coming from a different angle? Our invoice finance page explains how the facility works, the unsecured business loans page covers term-loan criteria in detail, and recruitment agencies have their own recruitment business loans page built around payroll funding.
Guides for your industry
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.
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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.
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21 October 2026
Professional Services Business Expansion Loans: 2026 Guide
How professional services firms fund growth without draining cash reserves: comparing unsecured loans, asset finance and invoice finance, what lenders look for, the documents to prepare, and the mistakes that delay funding.
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27 October 2026
How to Prepare a Cash Flow Forecast for Your Small Business
A step-by-step guide to building a 12-month cash flow forecast for your small business in Ireland, with a worked example, a simple template layout and tips for keeping a rolling forecast up to date.
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Common questions
Can I get finance against unpaid consultancy invoices?
Yes. Invoice finance advances up to 95% of the value of invoices you've already issued to business clients, so a 60 or 90-day payment term doesn't have to be funded from your own cash. One-off or ad hoc invoice finance starts at €100,000 per invoice.
Do I need assets to qualify for a loan?
No. Unsecured term loans are not registered against property or business assets, so a consultancy with little to pledge can still borrow on its trading record — though some lenders ask directors for a personal guarantee.
Can I borrow to hire another consultant?
Yes. A term loan can fund a hire whose billings arrive months later, with repayments spread over a term that matches how long the person takes to pay for themselves. Office moves, HR software and marketing are usually funded the same way.
What do lenders look for?
For unsecured term loans, lenders typically want at least 12 months trading with one year's accounts, turnover of €100,000 or more, a net profit and clean recent bank statements. Limited company, Sole trader, Partnership accounts can all work.
Free to you. Lenders pay us a commission when your loan completes. How we get paid