Tech company finance Ireland for software and SaaS
Software company funding, from R&D credits to recurring revenue.
- R&D tax credit
- 35% for periods ending from 31 Dec 2026
- First instalment
- Greater of €87,500 or 50%
- Budget 2027
- Threshold to rise to €105,000 (proposed)
- Our fee
- €0 to you
- The lender pays us commission
Quick eligibility check
See what your company could borrow
Step 1 of 3 · about 60 seconds
About 60 seconds · no credit search · not recorded on the Central Credit Register
Prefer to talk? +353 1 536 9910- R&D tax credit
- 35% for periods ending from 31 Dec 2026
- First instalment
- Greater of €87,500 or 50%
- Budget 2027
- Threshold to rise to €105,000 (proposed)
- Our fee
- €0 to you
- The lender pays us commission
- Irish limited companies
- Several lenders, one request
- No fees for your company
- No obligation
At a glance
Funding for technology and software businesses in three steps
- 1
Tell us what you need
Three taps: purpose, amount, business type. About 60 seconds, no credit search and not recorded on the Central Credit Register.
- 2
We match you to lenders
We check your profile against lender criteria and approach only those likely to consider it. One request, only to lenders likely to consider it.
- 3
Compare any offers
See the rate, fees, security and any personal guarantee side by side before you decide anything.
Overview
How finance helps technology and software businesses
Tech company finance in Ireland has to fit a business model where costs come before revenue. Software and SaaS companies pay salaries long before recurring revenue builds, and the R&D tax credit arrives in instalments. Debt can extend runway, as long as the company can repay it from cash flow.
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The R&D tax credit rose from 30% to 35%, generally for accounting periods ending on or after 31 December 2026, and the first instalment is the greater of €87,500 and 50% of the claim (Revenue). Budget 2027 proposes raising that threshold to €105,000, subject to the Finance Bill. Our guide to R&D tax credit funding explains how the instalments work.
We help tech and software limited companies with revenue-based finance and working capital, and explain the options for grant and R&D tax credit funding and equipment. Our guide to revenue-based finance in Ireland covers costs and SaaS examples.
Lenders we work with
We are a broker, not a lender. Lender names and logos are trademarks of their owners and are shown with permission. Their inclusion does not mean the lender endorses Welcome Finance. Finance is subject to each lender’s own approval, which is not guaranteed.
Common funding challenges for technology and software businesses
- Salaries paid ahead of recurring revenue
- Waiting for R&D tax credit instalments
- Bridging gaps before R&D credits or grants are paid
- Annual software, cloud and hardware costs
Finance that suits technology and software
Revenue-based finance
€10k to €250k · Until repaid from revenueGrant and R&D tax credit funding
Until the grant or credit is paidWorking capital finance
€5k to €1m · 3 to 36 monthsUnsecured business loans
€10k to €500k · 1 to 5 yearsEquipment leasing
Usually 3 to 5 yearsSBCI loans
€25k to €3m · 7 to 10 years
Supports
Supports worth knowing about
R&D tax credit
35% for accounting periods ending on or after 31 December 2026
Enterprise Ireland and Local Enterprise Office supports
Working with us
How we help
One request, several lenders
One request reaches several suitable lenders.
Side by side
Rate, fees, security and guarantees laid out side by side.
No obligation
No obligation to accept any offer.
Quick reply
We usually reply within 4 business hours.
Estimate your monthly repayments
Estimated monthly repayment
€3,179.97
- Total interest
- €14,479
- Total repayable
- €114,479
- Equivalent APR (effective)
- 9.38%
- Factor rate
- 1.1448
- Equivalent flat rate (per year)
- 4.83%
Illustrative only. Actual rates, fees and terms depend on your circumstances and the lender. This is not an offer of finance.
How we work
Technology and software finance: FAQs
Can a SaaS company borrow against its recurring revenue?
Yes, through revenue-based finance, where a lender advances funds based on your recurring revenue and you repay a share of future revenue. Lenders often connect to your billing, accounting and bank data, and look at churn, growth and gross margin. It suits trading companies with predictable subscription income. Revenue-based finance is among the products our lender panel covers, subject to each lender's criteria.
Our R&D tax credit is paid over three years. How do tech companies fund the wait?
For accounting periods ending on or after 31 December 2026, the credit is generally 35% of qualifying spend. The first instalment is the greater of €87,500 (or the full credit, if lower) and 50% of the credit; the rest is paid over two more years. Some specialist lenders advance against claims, while others prefer an unsecured working capital loan. Tell us what your company needs and we'll tell you honestly whether our panel can help, or where to apply instead.
What did Budget 2027 change for the R&D tax credit?
Budget 2027 proposes raising the first-instalment threshold from €87,500 to €105,000, so more of a smaller company's claim would be paid in year one, and increasing subcontracting limits. These changes need the Finance Bill to pass, so check the final rules and start dates with your accountant before you plan funding around them. Our post on the 35% R&D tax credit covers the 2026 changes.
Will lenders see our accounting losses as a problem?
Possibly. Many software companies report losses while they spend on growth. Lenders then look harder at recurring revenue, churn and cash runway, and ask how long your cash lasts without new funding and how repayments will be met. Up-to-date management accounts and a realistic forecast make a real difference to how your application is read.
Can we fund annual software licences and cloud costs?
These are operating costs, so they are usually covered by working capital rather than asset finance, which normally needs a physical asset. Some IT leasing providers can bundle software with hardware. A working capital or short-term loan can spread a large annual licence or cloud commitment that has to be paid upfront. Working capital loans are among the products our lender panel covers.
Check in 60 seconds
Check your eligibility in 60 seconds
No credit search and nothing recorded on the Central Credit Register. No obligation.
- No credit search, not recorded on the Central Credit Register
- One request, several lenders: we’re a broker, not a lender
- For limited companies registered in Ireland
- No fees for your company: we’re paid commission by the lender
Step 1 of 3 · about 60 seconds
Sources: Revenue, Tax and Duty Manual Part 29-02-03, R&D corporation tax credit (checked 22 Oct 2026); Revenue, eBrief No. 085/26 (checked 22 Oct 2026); Department of Finance, Statement by the Minister for Finance on Budget 2027 (6 Oct 2026) (checked 22 Oct 2026).