What Capitalflow lends
| Product | What it is | Published limits |
|---|---|---|
| Hire purchase | You pay instalments and own the asset at the end for a nominal sum | No set minimum or maximum |
| Finance lease | Capitalflow buys the asset and rents it to you for a fixed period | No set minimum or maximum |
| Refinance | A loan secured on vehicles or equipment you already own | No set minimum or maximum |
| Commercial property loan | For limited companies buying commercial property, as an investment or as business premises | From €250,000. Up to 75% of the price or value. Terms up to 7 years |
| Bridging loan | Short-term property finance | Not published |
On the asset side it funds plant and construction machinery, haulage vehicles, vans, forklifts, tractors and other farm equipment, and printing and medical equipment.
Capitalflow also sells buy-to-let mortgages and personal car finance. Those are outside this page.
We set out the difference between hire purchase and a finance lease in plain terms.
Which lenders fit your business?
Three questions. We compare your answers with each lender's published rules. We take no commission from anyone.
This tool needs JavaScript switched on in your browser.
What it costs
Capitalflow does not publish rates for asset finance or commercial property. Its rates page says: "We don't do set rates. We do fair ones." The rate is agreed after it has looked at your business.
It does publish its fees. For business hire purchase and leasing, on a schedule dated 22 August 2024:
- Documentation fee: €250
- Purchase fee: €250
- Unpaid direct debit: €25
- Rescheduling the agreement: €250
- Lease asset disposal fee: €250
VAT is added where it applies.
Paying off early. The schedule says an early settlement is worked out as the remaining balance "and future interest". Ask for an early settlement figure before you sign, so you know what leaving early would cost.
For commercial property loans, on a schedule dated 25 January 2024, the standard arrangement fee is 1% and the standard exit fee is 1%. You pay the valuation and legal fees. A termination fee may apply if you repay before the end of the term.
Who can apply
Capitalflow says it works with sole traders, partnerships and limited companies, from micro businesses to large firms.
It publishes no minimum trading time and no minimum turnover. Asked whether it can help newer and smaller firms, its FAQ says it has been "supporting new and small businesses since 2016" and invites them to get in touch. That is not a promise to fund a start-up. Each case is decided on its own merits.
Commercial property loans are for limited companies and start at €250,000. That puts them out of reach for most small local businesses.
What you have to send
Capitalflow's guide to applying says it may ask for:
The guide says a business plan may be needed, not that it always is. If you are asked for one, we have a worked template for the kind of plan Capitalflow describes.
How to apply and how long it takes
- Phone 01 563 2400, email hello@capitalflow.ie, or use the quick quote form on its website.
- Talk through what you need and send the documents it asks for.
- Capitalflow confirms that it has a complete application. It says this happens straight away in most cases, and within 5 working days at the latest.
- It issues a formal decision within 15 working days of getting everything. It says most assessments are finished within hours or days.
- For hire purchase or a lease, it asks the supplier for an invoice, checks the asset is not already financed elsewhere, and pays the supplier.
- For a property loan, you receive a term sheet first. An arrangement fee is payable before due diligence starts. Solicitors and valuers are then appointed.
Our loan finder shows which other lenders' published rules fit the amount you want to borrow.
If you are refused
Capitalflow says it will explain why and tell you about its appeals process. It says a refusal does not affect your credit rating.
Its guide says a small or medium business whose appeal fails can refer the case to Credit Review, the independent service that looks again at refused business credit.
Capitalflow Group DAC is authorised by the Central Bank of Ireland as a retail credit firm. Its terms of business say the Central Bank's regulations on lending to small and medium businesses apply to it.
We take no commission or payment from any lender. This page is information only, not financial advice.
Common questions
Does Capitalflow give unsecured business loans?
Its terms of business list asset finance and property finance. Every business product is tied to a vehicle, a piece of equipment or a property. It does not list overdrafts or unsecured term loans.
What interest rate does Capitalflow charge?
It does not publish one for business asset finance or commercial property. Capitalflow says it sets the rate after looking at each business. Its fee schedules are published, including a €250 documentation fee and a €250 purchase fee on business hire purchase and leases.
Can a sole trader apply to Capitalflow?
Yes. Capitalflow has a page for sole traders and offers them hire purchase, leasing and refinancing of equipment they already own. Its commercial property loans are for limited companies.
Will Capitalflow lend to a new business?
It does not publish a minimum trading time. Its FAQ says it has supported new and small businesses since 2016 and asks them to make contact. It may ask for a business plan, and it decides each case on its merits.
How long does a decision take?
Capitalflow commits to a formal decision within 15 working days of receiving all the information it asked for. It says assessments are typically finished within hours or days.
Where this comes from
- Capitalflow, business equipment and vehicle finance
- Capitalflow, how to apply for business finance (PDF)
- Capitalflow, terms of business, updated 15 April 2026 (PDF)
- Capitalflow, schedule of fees and charges, asset finance (PDF)
- Capitalflow, schedule of fees and charges, commercial real estate (PDF)
- Capitalflow, application process FAQs
- Capitalflow, equipment and vehicle financing FAQs
- Capitalflow, property finance FAQs
- Capitalflow, rates and repayments
- Capitalflow, sole trader page
- Central Bank of Ireland register, Capitalflow Group DAC
Checked on 3 October 2026. We are an independent guide, not a government service. Rules change, so confirm the detail on the official page before you apply.
Information only, not financial advice. GrantHub Ireland is not a lender or a broker and takes no commission or payment from any lender.