Commercial finance broker for Ireland
Business finance broker for Irish companies
- How much
- From €5,000
- Depends on your business
- How fast
- From 3 working days
- Typical; never guaranteed
- Terms
- 3 months to 10 years
- Depends on the lender and the deal
- Our fee
- €0 to you
- The lender pays us commission
We match Irish limited companies with specialist non-bank lenders for business loans, working capital and cash flow finance.
Quick eligibility check
See what your company could borrow
Step 1 of 3 · about 60 seconds
About 60 seconds · no credit search · not recorded on the Central Credit Register
- One request reaches several business lenders
- Rate, fees and security laid out side by side
- No obligation to accept any offer
The process
From first answer to drawdown
- 1
Share your requirement
Three quick answers: what it is for, how much, and your company type. About a minute.
- 2
We find suitable lenders
We check your company against each lender’s criteria and approach only those likely to consider it.
- 3
Weigh up your offers
Where lenders make offers, we lay out the rate, fees, security and any director’s guarantee side by side. No obligation.
- 4
We see it through
Pick the offer that suits you. We handle the paperwork with the lender through to drawdown.
Lenders we work with
We are a broker, not a lender. Lender names and logos are trademarks of their owners and are shown with permission. Their inclusion does not mean the lender endorses Welcome Finance. Finance is subject to each lender’s own approval, which is not guaranteed.
The marketplace
40 ways to fund an Irish company
Pick a category to see how each option works, what lenders look for and what it typically costs.
Company loans for Irish limited companies, repaid over an agreed term.
Asset finance in Ireland lets your limited company spread the cost of vehicles, machinery and equipment over their working life, with the asset itself as security.
Cash flow finance in Ireland turns money your company is already owed or about to earn, from invoices, card sales, stock and orders, into cash now.
Government-backed lending
The SBCI Growth and Sustainability Loan Scheme has been doubled to €1 billion
Announced on 12 October 2026, the scheme now runs until 30 June 2029. It offers lower-cost loans for growth and green projects. You first get an eligibility code from the SBCI, then apply directly to a participating lender, which makes the credit decision. The SBCI lists AIB, Bank of Ireland and PTSB, with Close Brothers and Finance Ireland due to start taking applications (announced 12 October 2026). Welcome Finance does not arrange SBCI loans. Source: Department of Enterprise, Tourism and Employment, 12 October 2026.
€25k to €3m
Loan size
€500k
Unsecured up to, generally with no personal guarantee
7 to 10 years
Repayment terms
Estimate your monthly repayments
Estimated monthly repayment
€3,179.97
- Total interest
- €14,479
- Total repayable
- €114,479
- Equivalent APR (effective)
- 9.38%
- Factor rate
- 1.1448
- Equivalent flat rate (per year)
- 4.83%
Illustrative only. Actual rates, fees and terms depend on your circumstances and the lender. This is not an offer of finance.
Compare
Which type of finance fits?
Unsecured business loan
- Best for
- Growth, hiring, one-off costs
- Security
- Director’s guarantee usually
- Typical term
- 1 to 5 years
- Typical speed (not guaranteed)
- Days
Invoice finance
- Best for
- B2B firms waiting 30 to 90 days for payment
- Security
- Your invoices
- Typical term
- Ongoing facility
- Typical speed (not guaranteed)
- 1 to 3 weeks to set up
Hire purchase / leasing
- Best for
- Machinery, vans, IT, fit-out
- Security
- The asset
- Typical term
- 1 to 7 years
- Typical speed (not guaranteed)
- Days
Revenue tax / VAT funding
- Best for
- Spreading a corporation tax or VAT bill
- Security
- Usually none
- Typical term
- 3 to 12 months
- Typical speed (not guaranteed)
- Days
Merchant cash advance
- Best for
- Card-taking hospitality and retail
- Security
- Future card takings
- Typical term
- Until repaid
- Typical speed (not guaranteed)
- Days
| Detail | Best for | Security | Typical term | Typical speed (not guaranteed) |
|---|---|---|---|---|
| Unsecured business loan | Growth, hiring, one-off costs | Director’s guarantee usually | 1 to 5 years | Days |
| Invoice finance | B2B firms waiting 30 to 90 days for payment | Your invoices | Ongoing facility | 1 to 3 weeks to set up |
| Hire purchase / leasing | Machinery, vans, IT, fit-out | The asset | 1 to 7 years | Days |
| Revenue tax / VAT funding | Spreading a corporation tax or VAT bill | Usually none | 3 to 12 months | Days |
| Merchant cash advance | Card-taking hospitality and retail | Future card takings | Until repaid | Days |
Industries
Finance shaped around your industry
Lenders think in sectors. So do we.
Insights
Know your options before you apply
- Guide
Grants for food, farming and seafood companies in Ireland
BIM seafood schemes, Bord Bia programmes and Department of Agriculture grants such as TAMS 3: what each pays, who qualifies and how to apply.
- Guide
Enterprise Ireland and InterTradeIreland grants: a guide for Irish companies
The Enterprise Ireland, InterTradeIreland and Disruptive Technologies supports for innovation, digital, lean and climate projects: what each pays, who qualifies and how to apply.
- Guide
Business finance for women in Ireland
Business finance for women in Ireland: Enterprise Ireland and LEO supports for women founders, ACORNS, Microfinance Ireland and your rights when you borrow.
Straight answers
Are you a lender?
No. Welcome Finance is a commercial finance broker. We introduce your company to lenders, and the lender makes the decision and sets the terms. We never lend money or hold client money; any finance a lender approves is paid directly to your company’s bank account.
What does Welcome Finance do?
We help Irish limited companies find business finance from our panel of specialist non-bank lenders. We check your company against each lender’s criteria, gather the documents they need, submit your application and set out any offers in plain terms. A named member of our team stays with you until the lender pays out.
Which lenders do you work with?
Five specialist non-bank lenders at present: 365 Finance, Flurish, Linked Finance, Treyd and Triffin, and we are growing the panel. They can help with unsecured and short-term business loans, working capital, tax-bill funding, merchant cash advances, revenue-based finance, stock finance and trade finance. We always tell you which lender is making an offer.
Are you regulated by the Central Bank of Ireland?
No. We only arrange finance for limited companies for business purposes, which, as we understand the law, does not require Central Bank authorisation. Lenders may be regulated for some activities, and you can check any lender at registers.centralbank.ie. Because we are not regulated, the Consumer Protection Code does not apply to our service.
How are you paid?
Lenders pay us commission when a deal completes. We do not charge your company a fee, and you never pay us anything upfront. Commission can differ between lenders and products; ask us and we will tell you how much.
Ready to see what your company could borrow?
Three quick answers now, and a reply from us within 4 business hours.
Check My Eligibility