Ireland
Dublin combines a large multinational technology and pharmaceutical presence with a domestic SME base, and the two are served by quite different parts of the lending market. Irish banks remain conservative on smaller unsecured facilities, which has left room for a growing group of alternative lenders offering invoice finance, asset finance and property debt.
| Structure | Where it works |
|---|---|
| Invoice finance | Widely used by SME distributors and services businesses managing customer payment terms. |
| Asset finance | Funds vehicles, machinery and equipment across manufacturing and construction. |
| Commercial mortgage | Available for owner occupiers and investors, priced on rental cover and location. |
| Venture debt | Supports scaling technology companies alongside existing venture capital investment. |
Bank facilities typically take six to ten weeks given standard Irish credit committee cycles.
Alternative lenders can complete working capital facilities in two to three weeks once financial statements are provided.
Central Dublin commercial property remains in high demand, so valuations should be kept current for any secured lending application.
Irish banks tend to apply conservative criteria to smaller or less standard facilities, and alternative lenders have grown specifically to fill that gap with faster decisions.
It is more established here than in most European cities outside London, largely due to the concentration of multinational technology operations and their supporting investor networks.
Security is generally registered against the company at the Companies Registration Office, and lenders will expect standard debenture and guarantee documentation similar to UK practice.
Tell us what the business in Dublin needs and we will structure the request and approach the providers whose criteria match. No upfront fees, charges apply only once funding completes.
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