FINANCE OPTIONS

^Equipment Financing Ireland - Get a Fast Quote

Q: How much can my business borrow with Equipment Financing Ireland?

You can typically borrow between £5,000 and £1,000,000, depending on your business size, financial health, and the value of the equipment you wish to finance.

Q: How long does approval take for Equipment Financing Ireland?

Most lenders provide an initial decision within 1 to 2 weeks of receiving all required documents. Funds or agreements are usually in place in 2 to 4 weeks.

Q: What are the typical interest rates and fees?

Interest rates usually range from 3% to 12% APR, influenced by your credit rating, equipment type, and chosen finance product. Arrangement fees and early repayment charges can also apply.

Q: What are the main equipment finance options available?

The main types are Lease Financing (leasing equipment for a period), Hire Purchase (ownership after instalments), and Equipment Loans (full ownership from the start).

Equipment Financing Ireland helps businesses acquire or upgrade essential equipment without tying up cash reserves. This finance option allows your business to access the latest machinery, technology, or vehicles while supporting operational efficiency and growth. By spreading payments over time, equipment finance enables you to preserve working capital and improve your business cash flow. UK companies commonly choose this route to maintain competitiveness and continue operating smoothly, particularly when equipment is key to business success.

Equipment Financing

Secure up to £1,000,000 in Equipment Financing with Funding Agent.

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Loan disbursed within 24 hours
No additional charges for early repayment

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Key ^Benefits of Equipment Financing

Equipment financing gives businesses tailored financial tools to acquire vital assets while keeping their finances flexible. With a choice of repayment terms, clear eligibility, and structured decision timelines, equipment finance can offer certainty and planning advantages. Here are three main benefits to consider:

Flexibility in financing

Improved cash flow

Access to latest technology

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Equipment Financing

Lease Financing

Lease Financing allows you to use new equipment without purchasing it outright. This option is suited to businesses needing regular updates to their machinery or technology.

Lease Financing

With Lease Financing, businesses with a proven trading history and good credit can lease equipment for terms of 12 to 60 months. Up to 100% of the equipment value can be financed at rates typically between 3% and 9% APR. The process includes an application, credit review, and lease agreement, commonly supporting sectors like manufacturing, transport, and IT.

Hire Purchase

Hire Purchase enables SMEs to acquire essential equipment while spreading costs and gradually gaining ownership as payments are made over time.

Hire Purchase

Suitable for SMEs with sufficient turnover and trading history, Hire Purchase provides funding from £5,000 to £1,000,000, over 12 to 72 months with 4% to 10% APR. The process includes an initial deposit, followed by regular payments until ownership transfers. This is widely used for vehicles, machinery, and IT in sectors like construction and healthcare.

Equipment Loan

An Equipment Loan is ideal for established businesses wanting to purchase equipment outright and gain full ownership immediately, offering flexibility on asset choice.

Equipment Loan

Designed for established firms with good financials and collateral, Equipment Loans range from £10,000 to £500,000, with repayment over 12 to 84 months at 5% to 12% APR. The application requires collateral assessment and credit review, and suits businesses in agriculture, energy, and retail seeking long-term investment in key assets.

Typical Funding Journeys on Funding Agent

Submit your funding request

Our platform enriches your application using business data

Your request is matched to suitable lenders

Receive offers and proceed with the best option

How to Access Equipment Financing with Funding Agent

Compare Lenders

Use our online application form to review a wide selection of UK lenders offering competitive equipment finance suited to various business needs.

Apply Online

Submit a straightforward online application with your key business details and an up-to-date equipment quote to get started quickly.

Receive Funds

Following approval, access funds directly or set up your lease or hire purchase agreement to acquire your chosen equipment.

Get Funding For your business

Generate offers

Real Scenarios

Construction Company Needing Fast Working Capital

Situation

A construction firm had a short-term cash gap before a large invoice was paid and needed £85,000 to cover materials and payroll.

Challenge

Traditional bank applications were too slow; they needed a decision and funds within days.

Outcome

Funding Agent matched them with a lender; they received a working capital facility and bridged the gap until the invoice was paid.

Ecommerce Business Preparing for Peak Season

Situation

An online retailer needed around £120,000 to stock up ahead of Black Friday and the Christmas rush.

Challenge

They wanted flexible terms and a quick turnaround so stock could be ordered in time.

Outcome

Through Funding Agent they secured a facility, placed orders in time and managed peak demand without cash flow stress.

Marketing Agency Using Invoice Finance

Situation

A marketing agency had strong clients and reliable invoices but often waited 60–90 days for payment.

Challenge

They needed to unlock cash tied up in unpaid invoices to pay staff and take on new projects.

Outcome

Funding Agent connected them with an invoice finance provider; they now access funds against approved invoices and smooth out cash flow.

Property Developer Using Bridging Finance

Situation

A developer needed short-term finance to complete a purchase before selling an existing property.

Challenge

They required a fast decision and flexible terms to align with the sale timeline.

Outcome

Funding Agent matched them with a bridging lender; they completed the purchase and repaid the facility when the sale completed.

FAQ’S

How much can my business borrow with Equipment Financing Ireland?

How long does approval take for Equipment Financing Ireland?

What are the typical interest rates and fees?

What are the main equipment finance options available?

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June 24, 2025

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^Equipment Financing Ireland - Get a Fast Quote

Key ^Benefits of Equipment Financing

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Equipment Financing

Lease Financing

Lease Financing

Hire Purchase

Hire Purchase

Equipment Loan

Equipment Loan

Typical Funding Journeys on Funding Agent