The Central Bank of Ireland’s latest Financial Stability Review paints a clear picture: Irish companies are holding back on new investments as global uncertainty rises. Tariff tensions between the US and its trading partners, combined with volatility in financial markets, have left many businesses in “wait-and-see” mode.
But while some companies are sitting on their hands, others are quietly positioning for growth — and access to fast, flexible finance is helping them do it.
What’s Going On?
According to Central Bank Governor Gabriel Makhlouf, “industry engagement points to cautiousness amongst companies, at least for now, in terms of new investments.” There’s evidence that uncertainty — particularly around US tariffs — has already softened consumer sentiment and prompted Irish firms to delay decisions.
Add to that:
Increased risk of borrowing cost rises, with 40% of Irish mortgages still on variable rates.
Non-bank real estate lenders under pressure from global financial markets.
Slower growth forecasts for key trading partners like the US.
It’s no surprise some businesses are playing defence.
But Not Everyone Can Afford to Wait
Despite the nervous headlines, the Central Bank also notes that Irish businesses have built up financial resilience over the past decade. Many have strong balance sheets and untapped capacity for growth — if they can get the right funding.
And that’s where opportunity lies.
The Opportunity in Uncertainty
At BusinessLoans.ie, we’re seeing increased interest from businesses looking to:
Access working capital to protect cash flow and stock up ahead of supply chain shifts.
Invest in productivity (new equipment, software, automation) while competitors hold back.
Refinance expensive debt, especially with market rates expected to rise.
Secure bridging finance for property or development projects where banks are slowing down.
These businesses aren’t gambling — they’re hedging against uncertainty by staying liquid, flexible, and prepared.
How BusinessLoans.ie Can Help
We work with a wide panel of non-bank lenders, including some of the fastest, most flexible funding partners in Ireland. Whether you’re a retail business preparing for a tough winter, a manufacturer in the MNE supply chain, or a property developer hit by capital pullback, we can help you move forward — without the red tape.
✅ Unsecured business loans up to €500,000
✅ Asset finance for machinery, vehicles, and tech
✅ Bridging and development finance, even for non-bankable deals
✅ Working capital solutions to support day-to-day resilience
Final Word: The Cost of Standing Still
History shows that the businesses that thrive during uncertainty are those that invest wisely while others freeze. With the right finance partner, you can stay one step ahead — and be ready when the market turns.
💬 Ready to talk? Reach out today to explore your options with a trusted Irish broker who understands the market. Call 01 55 636 55.