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Tilers & flooring contractors · Ireland
Tiler & flooring
business loans.
Buy materials before a job starts, upgrade floor-preparation equipment or add a van without overlooking everyday cash flow. We help Irish tilers and flooring contractors compare equipment finance and business loans through specialist and non-bank lenders, for domestic jobs, commercial fit-outs and a growing workload.
Tools & flooring equipment
For suitable equipment used in tiling, floor preparation and installation.
- Eligible tile-cutting machines, floor grinders, sanders and dust-extraction equipment
- Hire purchase or leasing on suitable new or used machinery
- Other equipment-finance deals from €10,000, typically with a 10% dealer deposit
- Smaller equipment packages depend on the items and lender
- Send a supplier quote so we can check suitability
- Tiles, adhesives and other consumables are different from financeable equipment
Vans & business vehicles
For carrying materials, tools and your team between jobs.
- Lease or hire purchase may suit eligible new or used vans
- Single-vehicle purchases and larger business needs can be considered
- Vehicle age, value, supplier and affordability determine the options
- Compare deposit requirements and VAT timing before choosing a product
- An unsecured loan may help with a deposit or private-seller purchase, subject to eligibility
Term loans for materials & growth
For established businesses funding stock, recruitment and wider business costs.
- Tiles, timber flooring, adhesives, underlay and other job materials
- Working capital, marketing, recruitment and premises improvements
- At least 12 months trading and one full year's completed accounts
- Latest accounts showing €100,000 or more turnover and a net profit
- No recent missed payments on business bank statements
- The lender assesses affordability and existing commitments
Flexible loans & payment gaps
For the gap between paying suppliers and getting paid by customers.
- Flexible repayment options from 9 months trading with steady cash flow
- Around eight or more deposits a month for that flexible repayment option
- Invoice finance may suit eligible business-to-business invoices for completed work
- One-off or ad hoc invoices from €100,000, or a facility for the wider ledger
- Customer deposits, staged payments and contract terms affect the funding need
- Compare the total cost with the margin on the work being funded
Business finance only, not personal loans. Unsecured term loans are not registered against property or business assets, but some lenders ask for a personal guarantee. All options depend on lender assessment, purchase suitability and affordability.
Separate equipment from job costs
A machine that will serve many jobs is a different purchase from materials for the next project. Compare asset finance for suitable equipment with term and flexible repayment loans for wider business expenditure. Allow for supplier deposits, wages and the timing of customer payments.
For qualifying commercial invoices, explore invoice finance. See our trades finance page and construction finance page for related funding needs, or new-business finance if you are just starting out.
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.
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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
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13 November 2026
Van and Commercial Vehicle Finance: Hire Purchase vs Lease vs Loan
Buying a van for your Irish business? Compare hire purchase, leasing and unsecured loans, including 10% deposits, VAT timing, used vans, Northern Ireland dealers and fleet purchases.
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.
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Common questions
Can I finance tile-cutting or floor-preparation equipment?
Suitable machinery may be considered for leasing or hire purchase. Send a supplier quote showing the items and purchase value. The lender checks equipment suitability, age, value and business affordability; not every small tool or consumable qualifies.
Can a business loan cover tiles and flooring materials?
A term loan may cover materials and other working-capital costs for an established business. Asset finance normally relates to eligible equipment rather than consumables. Term loans need one full year's completed accounts, turnover of €100,000 or more, a net profit and no recent missed payments.
Can you help me buy a van?
Yes, we can look at hire purchase or leasing for an eligible van. A business loan may be an alternative for deposit support, a private-seller purchase or a vehicle outside asset lender criteria, subject to your business's eligibility and affordability.
What if a commercial customer pays after the job is finished?
Invoice finance may suit qualifying business-to-business invoices, depending on the customer, contract and invoice eligibility. One-off or ad hoc invoices start at €100,000; a wider ledger facility is another option. Do not assume disputed invoices, retentions or future work qualify.
Can a new tiling or flooring business apply?
Equipment and vehicle criteria vary, so ask us to review a specific quote. Term loans require at least 12 months trading and one full year's completed accounts, plus the turnover and profit criteria. Our new-business finance page explains earlier options and pre-trading support.
What should I send to get started?
Send recent business bank statements, the amount needed and its purpose. Include supplier quotes for equipment or a van, and your latest completed accounts for a term loan. Explain when materials must be paid for and when you expect customer payments. We will confirm further lender requirements.
Do you charge a broker fee?
No. We do not charge clients a fee; lenders pay us a commission when funding completes. Lender interest and charges are separate and should be checked before accepting an offer.
Free to you. Lenders pay us a commission when your loan completes. How we get paid