FINANCE OPTIONS

^Long Term Business Loans Ireland - Get a Quote

Q: What amounts can I borrow with a long term business loan?

Borrowing amounts for long term business loans in Ireland typically range from £10,000 to £5 million. The amount offered will depend on your business’s credit score, financial health, and—if applicable—the value of any collateral provided.

Q: How long does it take to get a decision and funding?

Initial lending decisions usually take between one and three weeks, depending on the completeness of your application and each lender’s process. Once approved, funds are typically made available within two weeks.

Q: What interest rates and fees should I expect?

Interest rates usually start at 3% and can go up to 15% APR, depending on the loan amount, security provided, and your business’s financial strength. Some lenders may apply arrangement fees or early repayment penalties.

Q: What types of long term business loans are available?

The main types of long term business loans in Ireland include secured business loans (requiring collateral), unsecured business loans (for businesses with strong credit), and invoice financing (allowing advances against unpaid invoices).

Long term business loans in Ireland are designed for businesses seeking substantial funding for expansion, purchasing assets, or restructuring debt. These loans are typically repaid over periods of 5 to 25 years, offering flexibility and supporting larger-scale projects. With borrowing options from £10,000 to £5 million, this type of finance helps businesses plan confidently for the future, manage bigger investments, and access tailored repayment solutions that fit their operational needs.

Long Term Business Loans

Secure up to £1,000,000 in Long Term Business Loans with Funding Agent.

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Loan disbursed within 24 hours
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Key ^Benefits of Long Term Business Loans

Long term business loans provide the scale and stability many growing businesses need. They stand out for offering competitive rates, a choice of structured payment periods, and options to match varied needs. Businesses can unlock growth without the burden of short-term repayment pressures and benefit from regulated, transparent finance relationships.

Flexible repayment terms

Access to larger funds

Support business growth

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Long Term Business Loans

Secured Business Loan

Secured loans require assets as collateral and typically suit established businesses needing from £50,000 to £5 million for growth or major investments.

Secured Business Loan

To access a secured business loan, a business must provide collateral and demonstrate a reliable credit history. Amounts can reach up to £5 million, repayable over 5 to 25 years, with rates from 3% to 8% APR. The application usually involves submitting a detailed business plan and relevant financial documentation, making this option appealing for asset-heavy industries.

Unsecured Business Loan

Unsecured loans are available to businesses with strong credit and robust revenues, offering £10,000 to £250,000 for purposes like working capital or hiring staff.

Unsecured Business Loan

Unsecured loans do not require physical collateral, but applicants need a solid credit profile and proven business performance—usually over two years trading. Amounts from £10,000 to £250,000 can be borrowed over 3 to 10 years, at interest rates between 6% and 15% APR. These loans suit service-focused or light-asset sectors looking for simpler access to funds.

Invoice Financing

Invoice financing unlocks cash tied up in unpaid invoices, suitable for B2B firms trading for one year or more and seeking quicker working capital.

Invoice Financing

Businesses submit unpaid invoices to a lender and receive a cash advance—typically from £50,000 to £2 million, for terms of 1 to 36 months. Rates range from 0.5% to 3% per invoice. The process is quick, often with decisions within a week, allowing companies to keep cash flow moving while waiting on customer payments.

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 Apply Through Funding Agent

Access Our Platform

Visit the Funding Agent website to start your application for a long term business loan in Ireland using our online application form and explore lender options in one place.

Submit Details

Enter your essential business information, financial requirements, and upload documents such as business plans, statements, and collateral details (if needed).

Get Matched

Receive tailored loan offers from our network of lenders, compare the choices, and move forward with the best fit for your needs.

Get Funding For your business

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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

What amounts can I borrow with a long term business loan?

How long does it take to get a decision and funding?

What interest rates and fees should I expect?

What types of long term business loans are available?

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^Long Term Business Loans Ireland - Get a Quote

Key ^Benefits of Long Term Business Loans

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Long Term Business Loans

Secured Business Loan

Secured Business Loan

Unsecured Business Loan

Unsecured Business Loan

Invoice Financing

Invoice Financing

Typical Funding Journeys on Funding Agent