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IT & digital · Ireland
IT & digital
business loans.
Software consulting, cybersecurity, system integration or technical support — the pattern is the same: salaries, licences and hardware land weekly while the client's payment is 60 or 90 days away. We help Irish IT and digital firms compare invoice finance, term loans and asset finance through specialist lenders.
Invoice finance for unpaid client bills
Release the cash you've already earned while enterprise clients, public bodies and channel partners pay on 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 customers — software projects, security retainers, integration build bills and support contracts
- A revolving facility, so it grows and shrinks with your billing
Term loans for hiring and growth
Fund a developer or security analyst hire, an annual licence renewal or an office move 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 kit, hardware and vehicles
Spread the cost of the machines, licences and vehicles the work depends on.
- Hire purchase or leasing for suitable new or used assets
- Servers, laptops, network and security hardware, test rigs, and workshop or lab equipment
- 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 IT and digital businesses come to us
People get paid before clients do
A software consulting firm carries a build for months before the final milestone clears. A cybersecurity practice buys annual tooling and licence renewals in one hit while the retainers trickle in monthly. A system integrator pays the vendor for hardware and licences on the client's behalf, then waits. A support or MSP business pays engineers every week and collects on someone else's payment run. Growth makes the gap wider: the hire, the lab, the SOC tooling or the office has to be paid for before the extra revenue arrives.
Invoice finance turns issued invoices into cash now, a term loan funds hiring, licence renewals or an office move on a fixed schedule, and asset finance spreads the cost of the servers, hardware and engineer vans the job runs on.
Integrators and resellers buying hardware or licences in volume can also look at trade finance — stock funding of up to 180 days, including qualifying overseas supplier payments without a letter of credit, usually from 12 months trading and around €500,000 in sales. Our invoice finance page explains how the facility works, asset finance covers kit and vehicles, and the unsecured business loans page sets out term-loan criteria in full.
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.
Read guide →
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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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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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.
Read guide →
Common questions
Can an IT or software company get a loan with no assets to offer?
Yes. Unsecured term loans aren't registered against property or business assets, so a firm whose value is its people and its contracts can still borrow on its trading record — though some lenders ask directors for a personal guarantee. Approval comes down to trading history, turnover, profit and how the bank statements look.
We bill on milestones and the client pays in 90 days — can that be financed?
Often, yes. Invoice finance advances up to 95% of invoices you've already issued, so a 60 or 90-day enterprise term doesn't have to be funded from your own cash. It can cover your whole ledger as it grows; one-off or ad hoc invoice finance starts at €100,000 per invoice.
Can I finance servers, laptops and network or security hardware?
Yes — hire purchase or leasing can spread the cost of servers, laptops, network and security hardware, test kit and CAD or development workstations over their working life. Leasing with no deposit is available on smaller items, and a supplier quote helps us compare the options.
Do recurring managed-service or support contracts help?
They do. Steady monthly deposits from support and security retainers are exactly what flexible repayment lenders look for — firms from around 9 months trading with about 8 deposits a month can be considered, with repayments that move with your daily takings. 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