Restaurants & cafés · Ireland
New kitchen before the season, a refurb that can't wait, or wages in a quiet month. We arrange funding built around how restaurants actually trade — busy weekends, quiet weekdays, and card takings that show it.
For restaurants and cafés taking card payments.
For staffing, stock, renovations and new premises.
For expensive equipment, point of sale and vehicles.
Unsecured term loans are not registered against property or business assets, but many lenders will ask for a director's personal guarantee. They require 12 months trading, one year's accounts, turnover of €100,000+, a net profit and no recent missed payments.
30 January 2026
For many seasonal restaurants, winter is about survival. Doors stay open, costs are watched carefully and big decisions are often parked until the tourists return. But for one family run restaurant, this quieter period b
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20 October 2026
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.
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27 October 2026
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.
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Yes — a merchant cash advance or term loan can spread the cost, and big items like ovens and refrigeration can go on hire purchase or leasing over up to 7 years.
It suits a merchant cash advance particularly well: repayments are a share of card takings, so they naturally follow your trade rather than a fixed monthly amount.
Yes — hire purchase and leasing can cover point of sale systems, kitchen equipment, delivery vans and mobile catering units, with terms up to 7 years.
From 6 months for a merchant cash advance with steady card takings, 9 months for flexible repayment loans, and 12 months with a year's accounts for unsecured term loans.
Free to you. Lenders pay us a commission when your loan completes. How we get paid