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Plumbers · Ireland
Plumber
business loans.
Whether you're a sole trader on call-outs or a contractor running bathroom and heating crews, the costs land before the payments do. We help Irish plumbers compare van and equipment finance, working capital and term loans through specialist lenders.
Van & equipment finance
Spread the cost of the van and kit you rely on every day, rather than paying for it all upfront.
- Hire purchase or leasing for suitable new or used assets
- Vans, racking and fit-outs, plus press tools and pipe freezing kits
- Drain cameras, jetters, leak detection and thermal imaging equipment
- 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 boilers, cylinders, bathroom suites and fittings 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 bathroom and heating jobs without draining the business
Loans for growth
For established plumbing and heating contractors hiring crews, taking on bigger contracts or moving into heat pumps and renewables.
- Term loans with fixed monthly repayments
- Limited company, Sole trader, Partnership accounts can all work
- Fund deposits on vans and equipment, certification, or taking on apprentices and plumbers
- 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 plumbers come to us
Busy diary, tight cash flow
Plumbing and heating work is in demand, but the economics squeeze cash: a boiler or bathroom suite goes on the account before the job is signed off, staged payments lag behind the work, and the van, insurance and tools have to be paid for either way. Growing means spending — on kit, certification and people — before the extra revenue arrives.
Asset finance spreads the cost of vans and equipment, while a working capital facility or term loan keeps materials and wages covered between payments. For established contractors, term loans can fund the move into bigger contracts, heat pumps or renewables work.
Looking at the wider trades picture? Our trades business loans page covers the options across all trades, and our asset finance page explains how van and equipment finance works.
Guides for your industry
28 October 2026
Funding for Irish Tradespeople: Your Options Explained
Unsecured loans, asset finance, van finance and sole trader lending explained for plumbers, electricians, carpenters and other Irish trades.
Read guide →
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
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
Read guide →
Common questions
Can I finance a van or drain equipment?
Yes — asset finance through hire purchase or leasing can spread the cost of vans, racking, press tools, drain cameras, jetters and leak detection equipment 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 plumbers come to us. A working capital facility or term loan can cover boilers, cylinders, bathroom suites 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