How Finance Fuels Entrepreneurship

Over the past year, we’ve seen countless examples of resilience and ambition among our clients. Here are just a few:

Scaling a Fleet to Win Bigger Contracts
An independent supply chain service provider came to us with growth in sight but limited capacity. With flexible finance, they secured additional vehicles for their fleet, enabling them to take on new contracts and expand their business footprint.

Bridging Cash Flow for a Cleaning Company
Even successful businesses can hit bumps when customers pay late. One cleaning business faced a short-term cash crunch that threatened payroll. We provided a quick funding solution so staff got paid on time and operations stayed on track.

Stock Finance for Seasonal Growth
A stove and fireplace retailer needed to stock up ahead of their busy season. With tailored stock finance, they were able to increase inventory and meet rising demand without straining cash reserves.

Winning Projects in Construction
A civil works contractor needed upfront finance to secure a new project. By unlocking access to funding, they not only won the contract but set the stage for future growth opportunities.

Why This Matters

These aren’t just transactions — they’re proof that with the right financial partner, entrepreneurs can turn obstacles into opportunities. While banks often say no, we look for ways to say yes, tailoring funding solutions that match each business’s unique needs.

On World Entrepreneur’s Day, we want to celebrate every Irish entrepreneur who dares to build, innovate, and push forward. And we want you to know: we’re here to back you every step of the way.

Ready to Explore Your Options?

If you’re an entrepreneur in Ireland looking for finance — whether for working capital, stock, equipment, or growth — reach out to us today. A quick conversation could be the start of your next big step.

Running a seasonal business in Ireland—like a hotel, B&B, restaurant, or tour company—comes with unique financial challenges. In places like the West of Ireland, a bustling summer season may bring strong cash flow, but the quieter winter months can put serious strain on your finances. Traditional term loans often don’t fit this cycle, but there are flexible options available that align with your business's cash flow—like a Merchant Cash Advance (MCA).

At BusinessLoans.ie, we work with seasonal businesses across Ireland to help them access the right finance, at the right time.

The Seasonal Cash Flow Challenge

Take the example of a small hotel on the Wild Atlantic Way. During the summer, occupancy is high and cash flow is strong. But come October, business slows dramatically, and fixed loan repayments can start to feel like a heavy burden. For lenders, this uneven income can make it harder to approve traditional term loans, especially when cash flow forecasts look weak in the off-season.

Why Merchant Cash Advance Works for Seasonal Businesses

A Merchant Cash Advance is designed for businesses that generate regular card sales, making it a perfect fit for many tourism and hospitality businesses.

Here’s how it works:

You receive a lump sum upfront (just like a loan).
Repayment is taken as a fixed percentage of your daily card sales—so on quiet days, you pay back less.
No fixed monthly repayments, which means no pressure during off-season slumps.
Quick approvals, often based on past months’ sales data rather than detailed business plans.

Because repayments flex with your revenue, you only pay more when you're earning more. That makes MCA an ideal option for businesses with strong summer peaks and soft winters.

Who It’s For

Hotels, B&Bs, and guesthouses with seasonal bookings.
Cafés, restaurants, and bars near tourist hotspots.
Outdoor activity providers (surf schools, boat tours, etc.)
Retailers in high-footfall summer towns.

If your business earns at least €5,000–€10,000 per month in card sales during your busy period, an MCA could be available to you—even if you’re not currently trading at high volume.

Other Financing Options to Consider

While Merchant Cash Advance is one of the most flexible tools available, we also support seasonal businesses with:

Working Capital Loans (for marketing, hiring, or repairs before the busy season)
Short-Term Loans (if you just need a quick top-up to get through the winter)
Asset Finance (to upgrade rooms, kitchens, or vehicles before reopening)

We’ll help you find the right fit based on your business cycle and repayment ability.

Talk to the Experts in Seasonal Business Finance

At BusinessLoans.ie, we specialise in helping Irish SMEs—seasonal and year-round—access smart, fast, and fair finance.

Whether you're preparing for the next tourist rush or just trying to get through a quiet spell, we can help you smooth out the highs and lows of your business’s cash flow.

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