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Trades & contractors · Ireland
Trades
business loans.
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.
Vans, tools & equipment
For new or used vans, plant, tools and kit.
- Hire purchase or leasing on vans, tools and equipment
- Used vehicles and machinery welcome
- Terms up to 7 years
- €5,000 to €500,000
Working capital — fast
For the gap between buying materials and getting paid.
- Unsecured loans from €5,000 to €500,000
- Flexible repayment loans from 9 months trading
- A specialist lender may consider businesses from 90 days
- Same-day approval possible up to €50,000*
Same-day approval is possible on some unsecured term 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.
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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3 November 2025
Turning Challenges into Wins: How Sole Traders Can Secure Business Term Loans
Running a small business on your own takes courage. Most sole traders I speak to are doing everything themselves, from chasing invoices to dealing with suppliers and managing tax returns. It’s no small job. When it comes
Read guide →
Common questions
Can I finance a used van?
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.
How much paperwork is involved?
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.
How fast can I get an answer?
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.
I've only been trading a few months. Can you help?
Often, yes. A flexible repayment lender may look at businesses from 9 months trading with steady deposits, and one specialist may consider 90 days. Call us and we'll tell you straight what's possible.
Free to you. Lenders pay us a commission when your loan completes. How we get paid