Business finance guides for Irish companies
Plain-language guides to business loans, cash flow finance, asset finance, grants and State supports, written for Irish limited companies. Each guide lists its official sources and the date it was last reviewed.
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- Guide
How long does a business loan take in Ireland?
How long does a business loan take in Ireland? Typical timelines by lender and product for Irish limited companies, what causes delays and how to speed it up.
Last reviewed 22 October 2026
- Explainer
Business loan requirements in Ireland: what lenders look for
Business loan requirements in Ireland for limited companies: trading history, turnover, affordability, tax, CCR record, security and who can and cannot apply.
Last reviewed 22 October 2026
- Guide
Local Enterprise Office grants: who qualifies and how to apply
Local Enterprise Office grants for Irish small companies: who qualifies, amounts and match rates, how to apply, and how to fund costs until the grant is paid.
Last reviewed 31 October 2026
- Guide
Start-up business loans in Ireland: where to go for help
Start up business loans in Ireland: where new companies and founders can turn, from LEOs and Microfinance Ireland to Enterprise Ireland, banks and DSP supports.
Last reviewed 22 October 2026
- Guide
Business overdraft alternatives in Ireland: options for companies
Business overdraft alternatives in Ireland for limited companies: how bank overdrafts work, what they cost, and when a loan or invoice finance may suit better.
Last reviewed 22 October 2026
- Guide
Small business loans in Ireland: options, costs and what lenders check
Small business loans in Ireland for established limited companies: options by loan size, where to apply, what it costs and what lenders check before they lend.
Last reviewed 22 October 2026
- Guide
Business lenders in Ireland: a guide to the main types of lender
Business lenders in Ireland explained for limited companies: banks, non-bank lenders, asset and invoice finance, MCA, credit unions and State-backed schemes.
Last reviewed 22 October 2026
- Guide
Business loan interest rates in Ireland (2026)
Irish business loan rates in October 2026: Central Bank SME averages, ECB and Euribor, and published bank and non-bank lender rates, with dates and sources.
Last reviewed 22 October 2026
- Explainer
Flat rate vs APR: business loan costs and total cost explained
Flat rate vs APR on Irish business loans: how lenders price finance, factor rates, fees and total cost of credit, with worked examples to compare offers.
Last reviewed 21 October 2026
Questions about our guides
What do your guides cover?
Practical, Ireland-specific guides for directors of limited companies: SBCI schemes, business loan documents, bank refusals and the Credit Review Service, invoice finance, Revenue tax debt, hire purchase and leasing, personal guarantees, grants and state supports, late payment interest and funding energy upgrades. Each sets out how it works, costs, risks and alternatives.
Where does the information in your guides come from?
From primary Irish sources such as Revenue, the Central Bank of Ireland, the SBCI, SEAI, the CRO, the CSO and government departments, plus lenders’ own published information. Every guide lists its sources with the date they were checked, and shows when it was last reviewed.
Are the guides financial advice?
No. Our guides are general information, not financial, tax or legal advice, and they do not take account of your company’s circumstances. Use them to understand your options and prepare questions, then speak to your accountant or solicitor before making decisions.
Do your guides only cover products you can arrange?
No. We also explain products we do not arrange, such as SBCI loans, as fairly as those we can, and say where to apply for them.
How often are the guides updated?
We review guides when rules, rates or schemes change, such as a Budget or a new SBCI scheme, and at least every 6 months. The review date is shown at the top of each guide, and figures that change often are dated.
Who writes the guides?
The Welcome Finance editorial team researches and writes every guide, following our editorial policy. Lenders do not pay for, write or approve our content. If you spot an error, email support@welcomefinance.ie and we will check it against the source and update the guide.