Business loans in Ireland: every lender and State scheme

Business loans: all 21 guides

• Microfinance Ireland loans

  Microfinance Ireland is the State-backed lender for businesses with fewer than 10 staff. It lends to start-ups as well as established firms, it...

  OpenLocal businesses: yes

• Credit Review: when a bank says no

  If AIB, Bank of Ireland or PTSB refuses, reduces or withdraws business credit of €1,000 to €3 million, the State's Credit Review Service can examine...

  OpenLocal businesses: yes

• Western Development Commission loans and investment

  The Western Development Commission runs the Western Investment Fund for Clare, Donegal, Galway, Leitrim, Mayo, Roscommon and Sligo. It usually lends...

  OpenLocal businesses: some

• County enterprise funds: Louth, Donegal, Cavan

  Louth, Donegal and Cavan each have a local loan fund for small businesses, started in 1988 and 1989 with money from the International Fund for...

  OpenLocal businesses: some

• Clann Credo community loans

  Clann Credo is a charity that lends to community and voluntary groups, sports clubs and social enterprises. It is not a lender for private businesses...

  OpenLocal businesses: no

• Community Finance Ireland

  Community Finance Ireland lends €10,000 to €600,000 to community groups, charities, social enterprises and sports clubs, north and south. It does not...

  OpenLocal businesses: no

• Home Building Finance Ireland

  Home Building Finance Ireland is a lender set up by the State to fund new housing developments of five homes or more. It lends only to companies...

  OpenLocal businesses: no

• AIB business loans

  AIB lends to sole traders, partnerships and companies through a fixed rate loan up to €60,000 and a variable rate loan above that. It publishes its...

  OpenLocal businesses: yes

• Bank of Ireland business loans

  Bank of Ireland publishes its rate, its terms, what it checks and what a start-up has to send. Loans up to €120,000 are unsecured and can be applied...

  OpenLocal businesses: yes

• PTSB business loans

  PTSB lends to small businesses through a term loan from €5,000, an overdraft from €1,000 and a mortgage for business premises. You apply by phone or...

  OpenLocal businesses: yes

• Credit union business loans

  Many credit unions lend to sole traders, partnerships, companies and community groups, and the decision is made inside the credit union. There is no...

  OpenLocal businesses: yes

• Cultivate farm loans

  Cultivate is a farm loan brand shared by more than 50 credit unions. It is for farmers only. You borrow from your own local credit union, which makes...

  OpenLocal businesses: no

• Linked Finance

  Linked Finance is a peer-to-peer lender. The money comes from people, companies and institutions who lend through its website. It only lends to...

  OpenLocal businesses: yes

• GRID Finance

  GRID Finance gives a business a lump sum and takes it back as a small share of each day's income. It is not priced like a loan. The cost is a fixed...

  OpenLocal businesses: yes

• Capitalflow

  Capitalflow lends against things: vehicles, machinery and commercial property. Its terms of business list no unsecured cash loans or overdrafts, and...

  OpenLocal businesses: yes

• Finance Ireland

  Finance Ireland funds vehicles, machinery and equipment for small businesses and farms through leasing and hire purchase. It also runs the MilkFlex...

  OpenLocal businesses: yes

• Wayflyer

  Wayflyer is a Dublin company that funds growing businesses in 11 countries. It charges one fixed fee in place of interest and asks for no personal...

  OpenLocal businesses: some

• Swoop Funding

  Swoop does not lend money. It is a credit broker that introduces businesses to lenders, investors and grant bodies. In most cases you pay Swoop...

  OpenLocal businesses: yes

• Types of business finance

  A loan is only one way to fund a business. Each type of finance suits a different job, is priced in a different way and goes wrong in a different...

  OpenLocal businesses: yes

• SBCI loans: what is open now

  The Strategic Banking Corporation of Ireland does not lend to businesses itself. It gives cheaper funding and loan guarantees to other lenders, and...

  ChangingLocal businesses: some

• Flender

  Flender lent to Irish small businesses from 2016. Its website has had no way to apply for a loan since March 2025. The company still exists, and...

  ClosedLocal businesses: no

Information only, not financial advice. GrantHub Ireland is not a lender or a broker and takes no commission or payment from any lender.