Co. Dublin
Business loans in Dublin for limited companies
Business loans in Dublin for trading limited companies, from Fingal wholesalers to city-centre cafés, through our panel of five specialist non-bank lenders.
- Population
- 1,263,219 (Dublin city and suburbs)
- County
- Co. Dublin
- Local Enterprise Office
- LEOs Dublin City, South Dublin, Fingal and Dún Laoghaire-Rathdown
- 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- Population
- 1,263,219 (Dublin city and suburbs)
- County
- Co. Dublin
- Local Enterprise Office
- LEOs Dublin City, South Dublin, Fingal and Dún Laoghaire-Rathdown
- 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 Dublin companies 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
Doing business in Dublin
We help trading companies looking for business loans in Dublin, whether that is a Swords wholesaler waiting on customer payments or a Dublin 2 restaurant facing a refit bill. Our panel of specialist non-bank lenders can consider unsecured loans, working capital, merchant cash advances, revenue-based finance, stock finance and supplier-payment finance. The capital’s economy is strong but uneven.
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Dublin City Council’s Economic Monitor for Q1 2026 showed business activity rising, while unemployment edged up to 5.4%, its highest in four years. When wage and rent bills grow faster than sales, short-term funding can bridge a gap, but it should sit alongside a plan to protect the margin. Our registered office is on Capel Street in Dublin 1, yet we handle every Dublin application by phone, email and online, and Irish-registered LTD, DAC, PLC and ULC companies can apply, including start-ups, though most lenders look for some trading history.
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.
Key industries in Dublin
- Financial and professional services
- Technology and digital
- Retail and hospitality
- Construction
- Import, distribution and logistics around Dublin Port
- Aviation and tourism around Dublin Airport
Finance in Dublin
Business finance for Dublin companies
Popular finance for Dublin businesses
What does the Dublin economy look like for business owners in 2026?
Dublin had 827,200 people in work in Q1 2026, according to the Dublin Economic Monitor published by Dublin City Council and Grant Thornton in June 2026. Construction and manufacturing were expanding fastest that quarter, with sector PMI readings of 60.7 and 59.9, while services grew more slowly at 52.4. Online job postings in early May were 14.3 points below their February 2020 level, a sign that hiring has cooled.
Spending held up. Card spending was 10% higher than a year earlier, pushing the retail sales index to a record 161.8, and overseas visitor spending rose 8.7% year on year.
How do Dublin Port and Dublin Airport shape company cash flow?
Dublin Port handled 36.0 million gross tonnes in 2025, up 2.3%, with lift-on lift-off container units up 8.4% and 119,200 trade vehicles imported. Dublin Airport had its busiest year, with 36.4 million passengers. Importers, distributors and hauliers in Dublin 1, Dublin 3 and Fingal often pay freight, duty and suppliers weeks before their own customers settle, so stock and supplier-payment finance are common questions.
Where do business loans in Dublin usually go?
Typical reasons include fitting out a leased unit, spreading a VAT or corporation tax bill, buying stock in bulk before Christmas, and covering payroll while a large client pays on 60-day terms. If premises works are the main need, our fit-out finance page explains the options; for tax bills, see tax and VAT funding. City-centre restaurants, bars and shops also face wage and rent rises while card takings move with visitor numbers, so a merchant cash advance, repaid as a share of card sales, is a common question.
Local support
Business support in Dublin
Local Enterprise Office Dublin City
Grants, training and mentoring for small businesses inside the Dublin City Council boundary only. It publishes a boundary map so you can check whether your address qualifies.
LEO Fingal, South Dublin and Dún Laoghaire-Rathdown
The three county council areas each have their own LEO. LEO South Dublin, opened in Tallaght in 2014, offers mentoring, export development and financial supports.
Fingal enterprise centres
Fingal County Council lists Drinan Enterprise Centre in Swords, BASE in Mulhuddart and BEaT in Balbriggan for growing businesses, plus industrial parks such as Damastown.
Vacant Commercial Premises Scheme (DLR)
LEO Dún Laoghaire-Rathdown offers a rates-linked grant to new businesses opening in premises vacant for over six months, where the rates valuation is €60,000 or less.
Dublin Chamber
Founded in 1783, it represents more than 1,000 businesses across the Greater Dublin region and offers networking, lobbying, export services and training.
Microfinance Ireland
Loans of €2,000 to €50,000 for micro-enterprises with fewer than 10 staff and turnover under €2m; applying through your Dublin LEO cuts the rate by 1%.
National schemes
State-backed supports
SBCI Growth and Sustainability Loan Scheme
€25,000 to €3m over 7 to 10 years, open until 30 June 2029. Get an eligibility code from the SBCI, then apply directly to a participating lender.
About SBCI loansCredit Review Service
Reviews refusals by AIB, Bank of Ireland or PTSB of €1,000 to €3m. Apply within 30 days of the bank’s final decision.
SEAI business energy grants
Grants towards solar PV and energy upgrades for businesses.
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
Business loans in Dublin: FAQs
What if my bank refuses my company a loan?
Ask for the reasons in writing and use the bank’s appeal. You can then apply to the Credit Review Service within 30 days for refusals by AIB, Bank of Ireland or PTSB of €1,000 to €3m. We can also approach other lenders.
Which LEO covers Swords or Blanchardstown?
Local Enterprise Office Fingal. Swords, Balbriggan, Malahide and the Dublin 15 area around Blanchardstown and Mulhuddart are in Fingal County Council’s area, not Dublin City Council’s, even where the postal address says Dublin. LEO Dublin City only supports businesses inside its own boundary and publishes a map to check. Fingal County Council also runs enterprise centres in Swords, Mulhuddart and Balbriggan.
Can a Dublin sole trader apply through Welcome Finance?
No. We only work with companies registered in Ireland as an LTD, DAC, PLC or ULC. A sole trader in Dublin should talk to the Local Enterprise Office for their council area, which can help with a Microfinance Ireland application. Microfinance Ireland lends €2,000 to €50,000 to businesses with fewer than 10 staff, including sole traders, and the LEO route takes 1% off the rate.
Is there a grant for opening in a vacant shop in Dún Laoghaire-Rathdown?
Yes. LEO Dún Laoghaire-Rathdown runs a Vacant Commercial Premises Scheme for new businesses moving into premises that have been empty for more than six months. The grant is linked to the rates payable, which lowers the cost of opening, and the property’s rates valuation must be €60,000 or less. Read the eligibility document on the LEO DLR website before you sign a lease.
Are Dublin businesses still growing in 2026?
Mostly, yes. The Dublin Economic Monitor for Q1 2026 put the headline PMI at 55.6, its highest since Q2 2022, with construction and manufacturing strongest. But unemployment rose to 5.4% and job postings fell back, so the picture is mixed. If your sales are holding but costs keep climbing, check your cash flow forecast before you borrow, not after.
How do Dublin importers fund stock while goods are at the port?
Many use stock finance or supplier-payment finance, where a lender pays your overseas supplier and your company repays over an agreed term once the goods are sold. These are among the products our panel may be able to help with. Dublin Port’s container traffic grew 8.4% in 2025, and longer supply chains mean more money tied up in transit.
Where is Enterprise Ireland’s Dublin office?
Enterprise Ireland’s Dublin office is at The Plaza, East Point Business Park, Dublin 3. Enterprise Ireland works with manufacturing and internationally traded services companies with export plans. Most smaller Dublin companies start with the Local Enterprise Office for their council area, which can refer them on to Enterprise Ireland when they are ready to grow exports.
Do I need to visit your Capel Street office to apply?
No. Our registered office is at Venture Hub, 136 Capel Street, Dublin 1, but we handle applications by phone, email and online, whether your company is in Tallaght, Dún Laoghaire or the city centre. You share your figures and documents securely, and we tell you honestly whether our panel can consider your company or where you could apply instead.
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: Dublin City Council, Dublin Economic Monitor points to continued economic resilience in Q1 2026 (10 Jun 2026) (checked 22 Oct 2026); Dublin Port Company, Throughput statistics Q4 2025 (checked 22 Oct 2026); Dublin Airport, Record 36.4 million passengers travelled through Dublin Airport in 2025 (16 Jan 2026) (checked 22 Oct 2026); LEO Dublin City, Dublin City boundaries (checked 22 Oct 2026); Fingal County Council, Enterprise centres and industrial parks (checked 22 Oct 2026); LEO Dún Laoghaire-Rathdown, Vacant Commercial Premises Scheme (checked 22 Oct 2026); Dublin Chamber, About us (checked 22 Oct 2026); Enterprise Ireland, Connect with us: regional offices (checked 22 Oct 2026).