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Joiners · Ireland
Joiner
business loans.
Whether you're a one-bench workshop making bespoke pieces or a joinery running CNC machinery on commercial fit-outs, the costs land before the payments do. We help Irish joiners compare machinery and van finance, working capital and term loans through specialist lenders.
Workshop machinery & van finance
Spread the cost of the workshop machinery and van you rely on every day, rather than paying for it all upfront.
- Hire purchase or leasing for suitable new or used assets
- Table saws, planer-thicknessers, spindle moulders and CNC routers
- Spray booths, dust extraction, vans and racking
- A supplier quote helps us compare the options
- Eligibility and repayment terms depend on the asset and your business history
Working capital for materials
Cover hardwoods, sheet materials, ironmongery and glazing 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 bespoke orders — stairs, windows, doors and fitted furniture — without draining the business
Loans for growth
For established joineries hiring bench joiners, fitting out a bigger workshop or taking on commercial fit-out contracts.
- Term loans with fixed monthly repayments
- Limited company, Sole trader, Partnership accounts can all work
- Fund deposits on machinery, a workshop move or fit-out, or taking on apprentices and joiners
- 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 joiners come to us
Full order book, tight cash flow
Bespoke joinery is in demand, but the economics squeeze cash: hardwoods and sheet materials are bought before the piece leaves the workshop, staged payments lag behind the work, and the workshop, insurance and machinery have to be paid for either way. Growing means spending — on machinery, space and people — before the extra revenue arrives.
Asset finance spreads the cost of machinery and vans, while a working capital facility or term loan keeps materials and wages covered between payments. For established joineries, term loans can fund a bigger workshop or the move into commercial fit-out 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 machinery and van finance works.
Guides for your industry
28 October 2026
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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 workshop machinery?
Yes — asset finance through hire purchase or leasing can spread the cost of table saws, planer-thicknessers, spindle moulders, CNC routers, spray booths and dust extraction over their working life. A supplier quote helps us compare the options.
Can I borrow to cover materials before a job pays out?
Yes — this is one of the most common reasons joiners come to us. A working capital facility or term loan can cover hardwoods, sheet materials, ironmongery 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