Some stories remind you why flexibility matters in business finance.

A few years ago, we helped a family-run machinery sales company secure a €250,000 term loan to expand. They’ve been in business for over 30 years, serving farmers and contractors across rural Ireland — good, honest people running a solid operation.

Earlier this year, things took a turn. They invested heavily in a new piece of machinery that turned out to be problematic and had to be returned. That created a serious stock issue, tied up capital, and pushed up costs at the worst possible time.

When the accounts were finalised, the business showed a loss for the year. On paper, that meant most mainstream lenders couldn’t quote. But looking a bit deeper, the fundamentals were still strong — steady customers, good margins, and valuable assets on the balance sheet.

We brought the case to a lender who actually understands how small businesses work in the real world. Together, we organised a 12-month loan for €100,000, with repayments that flex in tune with the company’s cash flow.

It wasn’t about ticking boxes — it was about finding a practical solution that made sense for where the business is right now.

The client is back focused on selling and servicing machinery instead of worrying about repayments. That’s a win in our book.

If your business has hit a bump in the road but still has the right foundations, it’s worth a chat. Sometimes all that’s needed is a lender who sees the full picture.

Call the BusinessLoans.ie team on 01 55 636 55 or APPLY HERE.