Some of the best businesses I have helped over the years did not have perfect paperwork. And that is completely fine.

A few weeks ago, a client came to me after their bank turned them down for a small working capital loan. Their accounts were behind and the numbers did not look as neat as the bank wanted. But the business itself was strong. The owner worked hard, the vehicle was nearly paid off, and cash flow just needed a bit of support.

Instead of giving up, we looked at things differently.

I spoke with one of our asset finance partners and reviewed what the business already owned. In this case, they had a vehicle with plenty of equity. Within days, we arranged a refinance that released €20,000 in cash back into the business. It was straightforward, fast, and made a real difference.

That money gave them space to pay suppliers, manage running costs, and focus on getting back to growth.

Every week I meet business owners who have been declined by their bank for reasons that do not tell the full story. Sometimes it is because of timing. Sometimes it is just a tick-box issue. But behind those numbers there is almost always a good business trying to move forward.

That is why I started BusinessLoans.ie; to help real business owners find funding that fits their situation, not just their balance sheet.

If your bank has said no or you are unsure what options are available, reach out. Often the answer is already within your business. You just need the right partner to help you unlock it.

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