Bridging Finance Isn’t Just for Distress — It’s for Opportunity

Unlock fast, flexible funding options with BusinessLoans.ie

When most people hear the term bridging finance, they think of urgent or distressed situations — patching a funding gap, rescuing a deal, or covering a tax bill. But today’s smart property investors and construction professionals are using bridging finance for something else entirely: opportunity.

At BusinessLoans.ie, we help businesses and property professionals access the finance they need to move fast — whether it’s to grab a below-market property deal, fund a refurbishment, or scale their operations.

💡 Bridging Finance: The Opportunity Tool

Bridging loans are short-term, interest-only loans designed to help you secure a property or release equity quickly — usually for 6 to 18 months. They are increasingly being used not to plug holes, but to:

  • Acquire investment properties before someone else does

  • Renovate and refinance for long-term gain

  • Settle debts or refinance out of expensive loans

  • Unlock value tied up in assets or planning gains

Speed and certainty are the name of the game — and traditional banks just can’t move quickly enough. That’s where we come in.

🧱 Not Just for Developers — Tradespeople Can Use Property Loans Too

If you’re a builder, carpenter, plumber, electrician, or subcontractor, chances are you’ve been involved in a renovation or extension project that needed fast cash to get moving. At BusinessLoans.ie, we offer:

🔧 1. Simple Unsecured Business Loans

  • Loans from €5,000 to €500,000

  • Based on your monthly revenue — no property security required

  • Ideal for buying materials, taking on new projects, or bridging short-term cash flow gaps

  • Often approved in 24–48 hours

Great for tradesmen who want to get moving on a job without waiting for stage payments or invoices to clear.

🏘️ 2. Bridging Loans

  • Loan sizes from €250k to €5m+

  • Up to 75% Loan-to-Value (LTV), sometimes higher with additional security

  • Funds available in weeks — not months

  • Can include 100% of refurbishment costs on qualifying deals

  • Perfect for auction purchases, short-term acquisitions, or refinance and refurb deals

Whether you're flipping a house, unlocking value from a site, or completing a part-built project — we can help structure the right deal.

🏗️ 3. Development Finance

  • Funding for ground-up residential and commercial builds

  • From single-unit infill sites to multi-unit schemes

  • Staged drawdowns based on build progress

  • Support for planning gain, site acquisition, and developer exit loans

We work with specialist lenders who understand the Irish market and offer both speed and flexibility — crucial in today’s competitive environment.

🤝 Ready to Take the Next Step?

Whether you're:

  • A tradesman ready to take on a larger contract,

  • A small developer looking to fund your next site, or

  • An investor looking for flexible funding outside of the banks...

We can help.

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

Bridging finance isn’t just for distress. It’s a tool for growth. Let’s use it that way.

Secured Business Loans in Ireland

The Irish business lending landscape is constantly evolving, with pillar banks and alternative lenders gaining access to an ever-changing range of SBCI and government-backed loan options. However, while these lenders have access to various funding schemes, they must still operate within their lending rules. If your business has imperfect accounts or bank statements, you may face declines, particularly for unsecured loan options. In such cases, a secured business loan could be a viable alternative if your business owns eligible assets.

Types of Secured Business Loans

1. Asset-Backed Secured Loans

The quickest and easiest type of secured loan is one backed by business-owned vehicles and machinery. To qualify:

  • The assets must be fully owned or have minimal outstanding finance.

  • They should be less than 12 years old.

BusinessLoans.ie works with a panel of lenders to assess whether a secured loan is possible and determine the maximum amount available. Interest rates depend on risk assessment, but obtaining approval information is free. Additionally, businesses may qualify for discounted rates under the Credit Guarantee Scheme, especially if they have experienced a 15% or greater decline in turnover or net profit due to Covid-19. Loan amounts start from €20,000 and up, depending on the asset values.

2. Property-Backed Secured Loans

If your business owns commercial land or buildings, you may be eligible for a secured loan at lower interest rates. However, this loan type involves greater complexity and costs due to required legal fees, quantity surveyors, and other professional services. Because of these fixed expenses, property-backed loans are typically only feasible for amounts starting from €250,000 and above, provided the property has sufficient equity.

Benefits of a Secured Business Loan

  • Higher Approval Chances – More accessible for businesses with valuable assets.

  • Unlock Working Capital – Convert locked-up asset value into usable funds.

  • Less Restriction on Loan Purpose – Lenders impose fewer usage checks compared to unsecured options.

Key Criteria for Secured Loan Eligibility

  • Your business owns vehicles or machinery with significant value.

  • Your business owns land or buildings with available equity.

  • Your business passes credit assessment checks.

How BusinessLoans.ie Can Help

At BusinessLoans.ie, we specialize in securing the best funding solutions for Irish businesses. Our services are completely fee-free, and we are available seven days a week to assist with both unsecured and secured loan quotes. If a secured loan is the best route for your business, we can provide fast approval feedback from our panel of top lenders.

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