Menu
Professional services · Ireland
Professional services
business loans.
Most professional practices are profitable on paper and short of cash at the exact moment they need to commit — a new hire, an office deposit, a software licence. We help Irish firms in accountancy, consulting, agency work, engineering, architecture and similar services compare term loans, invoice finance and asset finance through specialist lenders.
Term loans for growth and hiring
Fund a hire, a fit-out, a new office or a software licence 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
- Practices from around 9 months trading with steady deposits (about 8 a month) can look at flexible repayment loans instead
Invoice finance for unpaid client bills
Release the cash you’ve already earned while clients pay on 30, 60 or 90-day terms.
- Advance of up to 95% of unpaid invoice value
- Finance can cover your whole sales ledger as it grows
- One-off or ad hoc invoice finance starts at €100,000 per invoice
- Suits firms billing business customers — corporate clients, public bodies and larger counterparties
- A revolving facility, so it grows and shrinks with your billing
Asset finance for equipment and vehicles
Spread the cost of the kit a practice runs on instead of paying for it in one go.
- Hire purchase or leasing for suitable new or used assets
- Laptops and servers, office furniture, meeting-room technology, and cars or vans for client-facing teams
- 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
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 professional services firms come to us
Billings arrive late, costs don't
Professional practices sell time and expertise, which means the money usually comes in weeks or months after the work is done. Payroll, rent and software land on a fixed schedule in between. A firm can win the instruction and still need funding to deliver it — a second office, a senior hire, a fit-out for client meetings, or a licence renewal that can't wait for a client's payment run.
Term loans cover those lump-sum decisions with fixed monthly repayments. Invoice finance unlocks cash already earned but not yet collected, so slow-paying corporate clients stop setting the pace of your cash flow. Asset finance spreads the cost of laptops, servers, office furniture, meeting-room technology and cars over their working life.
Younger firms have options too: flexible repayment loans can suit practices from around 9 months trading with steady deposits, and repayments move with your daily takings. Buying into a partnership or taking over a practice? Our acquisition finance page covers that, and our unsecured business loans page explains term-loan criteria in more detail.
Guides for your industry
21 October 2026
Professional Services Business Expansion Loans: 2026 Guide
How professional services firms fund growth without draining cash reserves: comparing unsecured loans, asset finance and invoice finance, what lenders look for, the documents to prepare, and the mistakes that delay funding.
Read guide →
2 November 2026
Invoice Finance Ireland for Growing SMEs
Release cash tied up in unpaid B2B invoices. Understand factoring, invoice discounting, lender fees and the documents Irish SMEs need.
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 →
27 October 2026
How to Prepare a Cash Flow Forecast for Your Small Business
A step-by-step guide to building a 12-month cash flow forecast for your small business in Ireland, with a worked example, a simple template layout and tips for keeping a rolling forecast up to date.
Read guide →
Common questions
Can I get a loan if my clients pay slowly?
Yes — slow-paying clients are one of the most common reasons professional firms come to us. Invoice finance releases most of the value of unpaid invoices instead of waiting 30, 60 or 90 days, and a term loan can cover a known spend with fixed monthly repayments.
Do I need assets to qualify?
No. Unsecured term loans are not registered against property or business assets, so firms with little to pledge can still borrow on their trading record — though some lenders ask directors for a personal guarantee. Asset finance is the alternative where the equipment itself secures the deal.
Can I borrow to hire staff?
Yes. A term loan can fund a hire whose billings arrive months later, with repayments spread over a term that matches how long the person takes to pay for themselves. Practice development, marketing and new case management software are usually funded the same way.
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