Our lender panel: specialist non-bank lenders

We currently work with five specialist non-bank lenders: 365 Finance, Flurish, Linked Finance, Treyd and Triffin. We are growing the panel over time. When an offer comes back, we always tell you which lender is making it, so you can read its terms and privacy notice before you accept anything.

Five at present, all specialist non-bank lenders rather than high-street banks. A small panel means we know each lender’s criteria well and approach only those likely to consider your company. It also means some products are outside what we can arrange, and we will tell you honestly if that is the case.

Our panel can help with unsecured and short-term business loans, working capital loans (including funding a Revenue bill through a general business loan), merchant cash advances, revenue-based finance, stock finance and trade or supplier-payment finance. Each lender sets its own amounts, terms and criteria, and every application is subject to the lender’s approval.

No. Welcome Finance does not arrange SBCI loans. For the Growth and Sustainability Loan Scheme, you first get an eligibility code from the SBCI, then apply directly to a participating lender. These are AIB, Bank of Ireland and PTSB, with Close Brothers and Finance Ireland due to start taking applications (announced 12 October 2026).

Search the firm’s name at registers.centralbank.ie, or call the Central Bank on 0818 681 681. The register shows whether a firm is authorised and for which activities. Business lending to companies is often not a regulated activity, so a lender may not be listed for it. The Central Bank also publishes warnings about unauthorised firms.

It varies by lender and activity. Some lenders are authorised by the Central Bank for some of their activities; lending to limited companies is often not regulated. We tell you which lender is making each offer so you can check it yourself. A regulated lender may owe your company protections under its own rules, including the Consumer Protection Code.

Commission can differ between lenders and products. You can ask us at any time how much commission we would receive for any offer, and we will tell you. Our job is to set out each offer’s rate, fees, security and guarantees clearly so you can choose the one that suits your company best.

No. Welcome Finance is a commercial finance broker only. We do not lend, we do not make lending decisions and we never hold client money. The lender you choose assesses your application, sets the terms and pays any approved funds directly into your company’s bank account.