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Pubs, bars & nightclubs · Ireland
Pub, bar & nightclub
business loans.
Restock before a busy weekend, refurbish the bar or upgrade equipment without using all your working capital. We help Irish pubs, bars and nightclubs compare funding through specialist and non-bank lenders, with options for regular card takings and established businesses planning a bigger investment.
Merchant cash advance
For venues taking regular card payments, including weekend-led trade.
- From 90 days trading
- Monthly card takings of €5,000 or more
- Repayments collected as an agreed share of eligible card sales
- Quieter card-sales periods mean smaller collections
- Stock, staffing, marketing and short-term working capital
Term loans for refurbishment & growth
For established venues investing in a refit, expansion or working capital.
- From 12 months trading with at least one year's accounts
- Latest accounts showing €100,000 or more turnover and a net profit
- No recent missed payments on business bank statements
- Fund bar renovations, seating areas, premises improvements and wider fit-out costs
- Flexible repayment loan options from 9 months trading with steady cash flow
Equipment leasing & asset finance
For suitable equipment that keeps the venue serving and trading.
- Refrigeration, glasswashers, kitchen equipment and coffee machines
- Point of sale systems, security systems and eligible sound or multimedia equipment
- No-deposit leasing available for smaller eligible items through one lender
- New or used equipment deals from €10,000 through other lenders
- Larger purchases typically involve a 10% dealer deposit; terms depend on the item and lender
Unsecured term loans are not registered against property or business assets, but lenders may ask for a personal guarantee. All options depend on the lender's assessment of your venue, trading and affordability.
Match the finance to the spend
Stock and staffing before a busy period are different from a major refit. A merchant cash advance can support a shorter working-capital need, while term and flexible repayment loans may suit a wider investment.
For individual machines and systems, compare asset finance. Keep a separate allowance for installation, building work and a quieter trading period during refurbishment, rather than assume the equipment quote covers everything.
We arrange business finance only, not personal loans. For venues with a food offering, see our restaurant finance page, or explore the broader hospitality funding options.
Taking card payments? Compare eligibility, repayments and costs on our merchant cash advance page.
Guides for your industry
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 →
20 October 2026
Business Loan With Seasonal Cash Flow: A Practical Guide
How seasonal Irish businesses can borrow well: loan types that suit uneven income, building a cash flow forecast lenders trust, and repayments that match your trading year.
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 →
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 a pub or nightclub apply after 90 days trading?
We can look at merchant cash advance options from 90 days trading with monthly card takings of €5,000 or more. A new venue's trading pattern and commitments still need to satisfy the lender; approval is not automatic.
Does it matter that most of our sales happen at weekends?
A merchant cash advance collects an agreed share of eligible card takings, so larger sales produce larger collections and quieter periods produce smaller ones. The lender reviews the overall sales pattern. Compare the total cost and any minimum-payment conditions before deciding.
Can I fund a bar refurbishment or a new seating area?
A term loan can cover broader premises work and fit-out costs for an established business. Asset finance may suit individual equipment items. Tell us the total budget and what each part covers so we can compare the right mix.
Can equipment finance cover sound, lighting or security systems?
Suitable security and multimedia equipment can be considered. Specialist sound or lighting systems depend on the equipment, supplier and lender. Send a quote first; not every installation or associated building cost qualifies for asset finance.
What should I send to get started?
Recent business bank statements, card-processing statements for a merchant cash advance, and a short explanation of the amount and purpose are useful starting points. For term loans, have your latest accounts ready; for equipment, include the supplier quote. We'll confirm the exact documents needed.
Do you charge a broker fee?
No. BusinessLoans.ie does not charge you a fee; lenders pay us a commission when funding completes. The lender's own costs are separate and should be checked in the offer.
Free to you. Lenders pay us a commission when your loan completes. How we get paid