Flender: the business lender whose website no longer takes loan applications

What we found on 3 October 2026

Flender's home page still says it is "here to help you expand your business today". It still describes loans of €10,000 to €250,000 over terms of up to four years.

But there is nothing to click. The page has no apply button and no application form. The addresses that used to hold the business loans page, the FAQ and the sign-up form now return a "404" error page. The only links left are a log-in for existing users and a contact page that gives one email address.

The site is still being looked after. Its terms of use say they were last updated in September 2026.

Flender has not published a notice explaining the change, and we could not find one anywhere else. We do not know whether it intends to lend again.

How Flender got here

• 2016. Flender starts lending in Ireland as a peer-to-peer platform, where members of the public fund loans to businesses. Its parent is a UK company, NKK Finance.
• 2023. Flender decides to leave peer-to-peer lending after crowdfunding platforms were required to be authorised by the Central Bank. It moves to money from institutional investors, acts as an intermediary and charges a 5% commission on loans, The Irish Times reported.
• December 2023 to February 2024. Flender goes through the Small Company Administrative Rescue Process, a restructuring scheme for small insolvent companies. The Irish Times reported that it wanted to clear up to €4.2 million owed to its parent and to Revenue.
• June 2024. The Irish Times reports that Flender has lent almost €68 million since 2016 and is looking for new funders.
• March 2025. The "Get a Flender loan" buttons and the business loans page disappear from the website. Archived copies show them in place on 17 March 2025 and gone by 25 March 2025.
• September 2025. The date of the company's most recent annual return. The Companies Registration Office lists Flender Ireland Limited with a status of Normal.

If you already have a Flender loan

Nothing on Flender's website says existing loans have changed. A loan agreement does not end because a lender stops taking new customers. Repayments stay due under your contract.

The Irish Times reported in 2023 that loans arranged through Flender sit on the books of the funders who put up the money, not on Flender's own books.

You can still log in on flender.ie. The only published contact is info@flender.ie.

Where else to look

When it was lending, Flender asked for two years of trading, two years of accounts, six months of bank statements and a tax clearance certificate. It said all its business loans were backed by directors' personal guarantees.

Other non-bank lenders work from similar documents. We set out the published terms of the peer-to-peer lender that is authorised under the EU crowdfunding rules and of a Dublin firm that advances money against daily sales on their own pages.

Our loan finder lines up the amount you need and your trading time against lenders that are open. A start-up can look at Microfinance Ireland, the State fund that lends to a business from day one.

We take no commission or payment from any lender. This page is information only, not financial advice.

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