Motor dealers & garages · Ireland
Cars on the forecourt are money sitting still. We arrange stocking finance through unsecured term loans and flexible repayment loans that flex with how your stock turns over.
For buying stock: cars, commercials and part-exchanges.
For cash flow that moves with sales and seasonal demand.
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.
Yes — that's stocking finance. An unsecured term loan can fund vehicle purchases, repaid over a term that matches how quickly your stock turns. Many dealers use it to buy at auction or take on part-exchanges ahead of the spring and September peaks.
A flexible repayment loan. Repayments track your takings rather than a fixed monthly amount, so quieter months don't squeeze the bank account. Lenders look from 9 months trading, and one specialist may consider 6 months.
Same-day approval is possible for some unsecured term and flexible loans when your full documents arrive in the morning, Monday to Friday. Otherwise, most deals complete within a few days.