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Machinery & equipment dealers · Ireland
Machinery dealer
finance.
Tractors, excavators, handlers — machinery stock ties up serious money for months at a time. We arrange stocking finance through term loans and flexible repayment loans built around your sales cycle.
Stocking finance — term loans
For buying machinery and equipment inventory.
- Unsecured term loans to fund stock purchases
- €5,000 to €500,000
- Repay over the term that matches your stock cycle
- No property or assets registered against the loan
Flexible repayment loans
For cash flow that moves with seasonal demand and big-ticket sales.
- Repayments that flex with your takings
- Lenders look at businesses from 9 months trading
- A specialist lender may consider 90 days in some cases
- Top-ups available when a deal lands
Loans are not registered against property or business assets, but many lenders will ask for a director's personal guarantee. Unsecured term loans require 12 months trading, one year's accounts, turnover of €100,000+, a net profit and no recent missed payments.
Guides for your industry
4 November 2026
Trade Finance in Ireland: Get Your Stock Funded and Take Up to 180 Days to Pay
Buying stock before customers pay? Trade finance can fund eligible supplier invoices and give Irish importers, retailers and wholesalers up to 180 days to repay.
Read guide →
24 October 2025
Funding That Fits: €100,000 Approved for a Long-Standing Machinery Sales Business
Some stories remind you why flexibility matters in business finance. A few years ago, we helped a family-run machinery sales company secure a €250,000 term loan to expand. They’ve been in business for over 30 years, serv
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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
Read guide →
Common questions
Can I fund machinery stock before I've sold it?
Yes — that's stocking finance. An unsecured term loan can fund your inventory purchases, repaid over a term that matches how long machinery sits between delivery and sale. Dealers often use it to buy ahead of the trade show season or take bulk stock at a discount.
Sales are seasonal and lumpy. What suits me?
A flexible repayment loan. Repayments track your takings rather than a fixed monthly amount, so the months between big sales don't squeeze the bank account. Lenders look from 9 months trading, and one specialist may consider 90 days.
How fast can funds land?
Same-day approval is possible for some unsecured term loans when your full documents arrive in the morning, Monday to Friday. Otherwise, most deals complete within a few days.
Free to you. Lenders pay us a commission when your loan completes. How we get paid