Trades & contractors · Ireland
Plumbers, carpenters, electricians and other trades need three things: a van that starts, tools on board, and enough in the account to cover the gap between jobs. We arrange finance for all three — quick feedback, minimal paperwork.
For new or used vans, plant, tools and kit.
For the gap between buying materials and getting paid.
Same-day approval is possible on some unsecured term loans and flexible repayment loans up to €50,000, where the lender receives your full set of documents in the morning, Monday to Friday. It depends on the lender's assessment and is not guaranteed. Loans are not registered against property or business assets, but many lenders will ask for a director's personal guarantee. Unsecured term loans require 12 months trading, one year's accounts, turnover of €100,000+, a net profit and no recent missed payments.
Yes. Hire purchase and leasing both work on used vans and equipment, not just new ones. Terms and deposit depend on the vehicle's age and value — we'll shop the deal across lenders to find the structure that suits.
Less than you'd expect from a bank. We work mainly from your recent bank statements and a short call about the purchase or job, and we'll tell you exactly what your lender needs before you start.
We aim for feedback the same day on most trade applications. Approval is possible up to €50,000 the same day when the lender has your full documents in the morning, Monday to Friday.
Often, yes. A flexible repayment lender may look at businesses from 9 months trading with steady deposits, and one specialist may consider 6 months. Call us and we'll tell you straight what's possible.