At BusinessLoans.ie, we work with ambitious Irish businesses across construction, contracting, engineering, and manufacturing — helping them access fast, flexible business loans to fuel growth.

One of our clients — a specialist contractor with operations across Ireland and mainland Europe — recently returned to us for additional funding. Back in late 2024, we arranged a €150,000 unsecured working capital facility to support mobilisation for a large international project.

Now, with a new contract underway and a growing pipeline of work, we’ve just refinanced and increased their funding to €250,000 — giving them the cashflow needed to keep moving without disruption.

Why Working Capital Matters for Irish SMEs

Many Irish businesses face a common challenge: upfront project costs and delayed payments.

Whether you’re a:

Contractor bidding on public or private sector tenders
Engineering or manufacturing firm supplying equipment or services
Construction business managing multiple jobs across locations
Exporter handling logistics, staffing, and materials abroad

… the gap between doing the work and getting paid can stretch your cashflow — especially when scaling up.

That’s where flexible business finance makes the difference.

What We Delivered

✅ Refinance and boost of original loan from €150K to €250K
✅ Fast turnaround based on company performance — not just credit history
✅ Funding tailored to international project requirements
✅ No delays, no rigid repayment terms, no personal guarantees required (in this case)

This is what growth finance is meant to do: bridge the funding gap so Irish SMEs can win bigger contracts, manage costs, and keep building.

Need Finance to Fund Your Next Project?

If you're expanding operations, hiring staff, investing in equipment, or working on longer-term contracts, BusinessLoans.ie can help you access:

Unsecured business loans
Working capital finance
Project mobilisation loans
Bridging loans for contract funding
Merchant cash advances for seasonal businesses

We fund businesses across Ireland from €10,000 to €500,000, with a focus on fast access, flexible terms, and real-world understanding of how business works.

Call the BusinessLoans.ie team on 01 55 636 55 for fast finance quotes; or APPLY HERE.

The latest CFO Spring Survey 2025 from Deloitte paints a complex picture for Irish businesses. On one hand, CFOs are facing mounting pressure from geopolitical risk, economic headwinds, and margin squeeze. On the other, Irish companies continue to show resilience through strategic investment, particularly in capital spending, talent, and sustainability.

At BusinessLoans.ie, we see this dual reality play out every day. SMEs are cautious, but not standing still. Many are pushing ahead with plans for growth – especially those investing in digital tools, improving efficiency, or preparing for regulatory shifts. Here’s what you need to know from the survey, and how flexible finance can support your business through 2025.

📉 Risk Appetite at Historic Lows

According to Deloitte, 86% of Irish CFOs say it’s not a good time to take more risk – up sharply from last year. Uncertainty has surged, with 60% now reporting high levels of concern about external disruption.

Key risks flagged by Irish finance leaders:

Economic outlook (83%)
Geopolitical instability (80%)
Cyber threats (74%)
Skills shortages (51%)
Increasing regulation (46%)

This mirrors what we hear from SMEs: there’s a clear caution around borrowing, especially longer-term or inflexible debt. That’s where alternative finance solutions can make a difference.

⚙️ Despite Headwinds, Investment Continues

Here’s the good news: Irish CFOs are still planning to invest – more so than many of their European peers. According to the survey:

36% plan to increase capital expenditure (above the EU average)
40% are increasing spending on digital transformation
40% are investing in ESG and sustainability
Less than 14% plan to reduce headcount, compared to 35% across Europe

This aligns with a clear message from Deloitte’s Tom Hynes:

“Ireland still presents opportunity. A significant number of CFOs believe there’s more scope to grow foreign direct investment... But the slower pace of digital transformation in Ireland is a concern. This is an area where companies need to act now to remain competitive.”

💡 Smart Finance for Strategic Moves

At BusinessLoans.ie, we work with growing businesses across sectors – from tech and manufacturing to hospitality and retail – who are investing in:

Equipment upgrades and automation
Refurbishment and energy efficiency
Talent acquisition and training
Marketing and digital transformation

We know that traditional lenders aren’t always equipped to support businesses during times of high uncertainty. That’s why we partner with a range of alternative finance providers to offer:

Fast unsecured business loans up to €500,000
Flexible repayment terms up to 5 years
Bridging and asset finance for CAPEX investments
Non-bank funding for businesses with seasonal cash flow or complex credit histories

🔮 Looking Ahead

Deloitte’s report calls on CFOs to remain “future-focused” and to balance short-term cost control with long-term investment. The companies that do both will come out stronger.

If you're planning to upgrade, expand, or adapt in 2025, but need a funding partner who understands today’s challenges, talk to us at BusinessLoans.ie. We’ll help you secure the right finance – fast, flexible, and fit for your future.

Let’s turn uncertainty into opportunity. Call the BusinessLoans.ie team on 01 55 636 55 or APPLY HERE.