Menu
Petrol stations & forecourts · Ireland
Petrol station & forecourt
business loans.
The modern forecourt is much more than fuel: convenience stores, fast-charging EV points and food-to-go now drive the margin, and each one needs investment in equipment and fit-out. We help Irish petrol station and forecourt operators compare asset finance, merchant cash advances and term loans through specialist lenders.
Asset finance for forecourt and shop equipment
Spread the cost of the equipment the modern forecourt runs on instead of paying for it in one go.
- Hire purchase or leasing for suitable new or used equipment
- EV fast chargers, fuel pumps and tanks, tills and EPOS, coffee and food-to-go equipment, refrigeration and canopies
- 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
Working capital and merchant cash advance
Keep the shop stocked and the business moving, with an advance against card takings available from much earlier in the business's life.
- Merchant cash advance from around 90 days trading
- Card takings of about €5,000 a month or more
- Repayments flex with your card sales — quieter weeks cost less
- Working capital for shop stock, fuel deliveries and wages
- Flexible repayment loans from around 9 months trading with steady deposits
Term loans for refurbishment and growth
Fund a shop refit, a food-to-go offering, EV charging installation or a second site 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
- Secured loans for larger projects can be looked at 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 forecourt operators come to us
Fuel brings them in — everything else makes the margin
Fuel margins are thin and falling, so the forecourts doing well are the ones investing around the pumps: a proper convenience store, food-to-go and coffee, and fast EV charging for the growing number of electric drivers. Each of those means equipment, fit-out and stock paid for upfront, while fuel deliveries, wages and suppliers still have to be covered every week.
Asset finance spreads the cost of chargers, pumps, tills and food equipment over its working life, a merchant cash advance repays as a share of card sales, and a term loan funds a refit, a food-to-go offering or a second site on a fixed schedule.
Coming from a different angle? Our asset finance page explains how equipment funding works, the merchant cash advance page covers card-based advances, and the retail page looks at funding for shops more broadly.
Guides for your industry
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 →
3 November 2026
Is a Merchant Cash Advance Right for Your Irish Business?
How merchant cash advances work in Ireland: card-sales repayments, costs, eligibility from 90 days trading and the alternatives to compare before applying.
Read guide →
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.
Read guide →
8 November 2026
How Quickly Can SMEs Borrow Money in Ireland?
A supplier deadline, a replacement vehicle or cash tied up in invoices: find out what speeds up Irish SME finance, what to prepare and how to choose funding that fits.
Read guide →
Common questions
Can I finance EV chargers, pumps and shop equipment?
Yes. Asset finance spreads the cost of suitable new or used equipment — EV fast chargers, fuel pumps and tanks, tills and EPOS, coffee and food-to-go equipment, refrigeration and canopies — over its working life, with hire purchase or leasing options. A supplier quote helps us compare the options.
Can I borrow to add a food-to-go offering or refit the shop?
Yes. A term loan can fund a shop refit, a food-to-go counter or an EV charging installation on a fixed repayment schedule, and asset finance can cover the equipment itself. Lenders look at your trading record across fuel, shop and any food sales together.
How soon can a newer forecourt business get finance?
A merchant cash advance can work from around 90 days trading with card takings of about €5,000 a month or more. Flexible repayment loans can work from around 9 months with steady deposits, and unsecured term loans typically need 12 months trading with one year's accounts.
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