10 Best Equipment Finance Providers in Ireland
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If your business needs machinery, medical equipment, IT hardware, manufacturing tools, vehicles, or specialist kit without paying the full cost upfront, equipment finance can be one of the smartest ways to grow while protecting cash flow. This guide focuses on lenders and finance providers with live Ireland-facing equipment finance, leasing, or hire purchase pages. For consistency with your preferred formatting, euro-denominated figures are shown in £ using the ECB euro to pound reference rate for 31 March 2026. Where a provider does not publish a standard APR, the pricing field instead shows the live model it promotes, such as fixed interest, fixed monthly rentals, hire purchase, leasing, or 100% financing.
| 1 | First Citizen Finance | First Citizen is one of the clearest dedicated equipment finance providers in Ireland, with specialist business equipment pages, fixed interest, and up to 90% LTV. | Unknown–£303,900; Fixed interest, up to 90% LTV; 12–84 months |
| 2 | Finance Ireland | Finance Ireland is Ireland’s largest non-bank lender and supports SMEs buying plant, machinery, vehicles, and equipment through leasing and hire purchase. | Unknown–Unknown; Fixed monthly rentals, 100% finance; 2–5 years |
| 3 | Bank of Ireland | Bank of Ireland offers fixed-rate asset and equipment finance from €7,000, with support for new and used business assets and seasonal repayment options. | £6,100–Unknown; Fixed rate; 24–60 months |
| 4 | AIB Finance & Leasing | AIB Finance & Leasing supports business equipment purchases through leasing and hire purchase, with fixed interest and up to 100% financing. | Unknown–Unknown; Fixed interest, up to 100% finance; Usually up to 5 years |
| 5 | Fexco Asset Finance | Fexco Asset Finance specialises in business equipment and technology finance for Irish SMEs through tailored leasing and hire purchase solutions. | Unknown–Unknown; Leasing or hire purchase; Tailored terms |
| 6 | grenke Ireland | grenke is a long-established SME finance provider in Ireland, offering equipment leasing from as little as €500 for business kit and office equipment. | £434–Unknown; Leasing; Flexible business terms |
| 7 | Close Brothers Commercial Finance Ireland | Close Brothers Commercial Finance Ireland helps SMEs invest in equipment, machinery, and vehicles through hire purchase, leasing, and capital release. | Unknown–Unknown; Hire purchase, finance lease, capital release; Unknown term |
| 8 | Bibby Asset Finance Ireland | Bibby Asset Finance Ireland helps Irish businesses acquire equipment through leasing, hire purchase, and refinancing, with funding of assets up to £5 million. | Unknown–£5,000,000; Leasing, hire purchase, refinancing; Unknown term |
| 9 | PTSB Asset Finance | PTSB Asset Finance supports equipment and vehicle purchases through finance leasing and other asset finance structures for businesses and some sole traders. | Unknown–Unknown; Finance lease and asset finance; Typical 3–5 years for leasing |
| 10 | Deutsche Leasing Ireland | Deutsche Leasing Ireland provides flexible equipment and investment finance solutions for Irish businesses and manufacturers, including 100% financing for new assets. | Unknown–Unknown; Flexible asset finance, 100% financing for new assets; Tailored terms |
1. First Citizen Finance
First Citizen Finance ranks first because it has one of the clearest dedicated equipment finance operations in Ireland rather than treating equipment funding as a small subsection of general asset finance. Its current business customer pages say finance is available over terms between 2 and 7 years depending on the type and age of the asset, with up to 90% LTV and fixed interest rates. First Citizen also has dedicated product pages for printing, medical, transport, construction, renewable energy, and manufacturing equipment. An official SME brochure states a maximum drawdown of €350,000 per individual asset, converted here to about £303,900, which gives helpful public context on scale. citeturn659222search2turn659222search6turn659222search10
Loan Details
- Min Amount: Unknown
- Max Amount: £303,900
- Pricing: Fixed interest rate; up to 90% LTV
- Loan Duration: 12 to 84 months depending on asset type and age ⌛
Services & Industries
- Finance Types: Business hire purchase, leasing, agri finance, specialist equipment finance
- Industries: Manufacturing, engineering, retail, transport, logistics, printing, construction, medical, renewable energy
Pros
- Dedicated equipment finance specialist in Ireland
- Clear public terms on LTV and repayment duration
- Strong industry-specific coverage
- Useful public brochure support for scale context
Cons
- Public rate detail is structure-led rather than APR-led
- Exact maximum lending is not shown on every live product page
- Application is more relationship-led than fully digital
- Approved supplier and dealer rules may apply
Sources: Equipment Finance Business Customers Equipment Products Printing Equipment
2. Finance Ireland
Finance Ireland ranks second because it combines breadth, non-bank scale, and strong public equipment-finance positioning. Its SME and agri finance overview says it finances cars, commercial vehicles, plant, machinery, and many other types of equipment through leasing, hire purchase, contract hire, and rental agreements. The page also says SME leasing usually runs from 2 to 5 years and provides fixed monthly rental repayments, while 100% finance is available on leasing. That makes Finance Ireland one of the most important alternatives to the banks for equipment-led SMEs in Ireland. citeturn659222search1turn659222search0
Loan Details
- Min Amount: Unknown
- Max Amount: Unknown
- Pricing: Fixed monthly rentals; 100% finance available on leasing
- Loan Duration: Usually 2 to 5 years on SME leasing ⌛
Services & Industries
- Finance Types: Leasing, hire purchase, contract hire, rental agreements, agri and SME equipment finance
- Industries: SMEs, agri businesses, transport operators, plant and machinery buyers, sustainability-led firms
Pros
- Largest non-bank lender in Ireland
- Publicly states broad equipment coverage
- 100% finance is available on leasing
- Useful alternative to mainstream banks
Cons
- Standard public loan ranges are not clearly published
- APR is not presented for quick comparison
- Some products sit under different specialist divisions
- Best-fit structure usually needs a conversation
Sources: SME & Agri Finance Homepage
3. Bank of Ireland
Bank of Ireland is one of the clearest bank-led options for equipment finance in Ireland. Its live asset finance page says funding starts from €7,000, converted here to about £6,100, and supports new and used assets with fixed-rate payments over 24 to 60 months depending on asset age. The page also says seasonal arrangements can be put in place where needed, which is especially useful for businesses with lumpy trading patterns. Although it markets the product as asset finance, the page is clearly relevant for equipment purchases. citeturn659222search0
Loan Details
- Min Amount: £6,100
- Max Amount: Unknown
- Pricing: Fixed rate payments
- Loan Duration: 24 to 60 months ⌛
Services & Industries
- Finance Types: Hire purchase, leasing, seasonal asset and equipment finance
- Industries: General SMEs, plant and machinery buyers, transport, agriculture, equipment-led businesses
Pros
- Clear public entry point for equipment finance
- Fixed-rate repayments support budgeting
- New and used assets can be financed
- Seasonal repayment flexibility is useful
Cons
- Maximum public lending amount is not clearly stated
- Early repayment charges may apply on fixed-rate agreements
- Bank underwriting can be slower than specialist providers
- Not the most specialist solution for unusual assets
Sources: Asset Finance
4. AIB Finance & Leasing
AIB Finance & Leasing is another strong bank-backed choice for equipment finance. Its current asset finance page says hire purchase and leasing can be used to borrow for machinery, equipment, and vehicles, with fixed interest, up to 100% financing available, and terms that usually run up to five years, though longer periods can be discussed. That makes AIB especially useful for established SMEs that want the comfort of a bank relationship but still need specialist equipment funding. citeturn659222search4
Loan Details
- Min Amount: Unknown
- Max Amount: Unknown
- Pricing: Fixed interest rate; up to 100% financing available
- Loan Duration: Usually up to 5 years, longer by discussion ⌛
Services & Industries
- Finance Types: Hire purchase, leasing, asset and equipment finance
- Industries: General SMEs, machinery buyers, equipment-led businesses, transport and plant users
Pros
- Bank-backed option with strong credibility
- Up to 100% financing is available
- Fixed interest helps with budgeting
- Live page clearly references machinery and equipment
Cons
- Public loan size ranges are not clearly published
- Pricing is structure-led rather than APR-led
- Best terms still require direct discussion
- Less digital than some specialists
Sources: Asset Finance
5. Fexco Asset Finance
Fexco Asset Finance earns a strong place because it has multiple live Irish pages dedicated to equipment-heavy finance categories. Fexco’s technology finance page says it specialises in funding technology equipment to keep businesses growing, while its medical and manufacturing equipment finance pages describe tailored leasing and hire purchase solutions for SMEs across Ireland. The broader asset finance page says it offers flexible funding solutions across Ireland, which makes Fexco especially relevant for sector-specific equipment needs rather than just general asset finance. citeturn508379search20turn508379search12turn508379search0turn508379search16
Loan Details
- Min Amount: Unknown
- Max Amount: Unknown
- Pricing: Leasing or hire purchase; tailored finance solutions
- Loan Duration: Tailored terms ⌛
Services & Industries
- Finance Types: Technology finance, medical equipment finance, manufacturing equipment finance, leasing, hire purchase
- Industries: Technology, healthcare, manufacturing, transport, Irish SMEs needing specialist equipment
Pros
- Strong specialist focus on real equipment categories
- Dedicated live pages for multiple sectors
- Leasing and hire purchase are both available
- Useful for businesses needing tailored equipment solutions
Cons
- Public pricing and term detail are limited
- No standard public loan range is shown
- Harder to compare quickly than clearer bank pages
- Best suited to businesses willing to engage for a quote
Sources: Asset Finance Technology Finance Medical Equipment Finance Manufacturing Equipment Finance
6. grenke Ireland
grenke Ireland is one of the clearest options for smaller-ticket equipment finance. Its Irish leasing page says businesses can lease equipment from as little as €500, converted here to about £434, and positions grenke around SMEs needing convenient processing and fast decisions. grenke’s Irish equipment financing explainer also says business equipment can include office furniture, IT equipment, tools, machinery, and medical equipment. That makes it a particularly relevant option for smaller firms and office-based businesses that need accessible equipment finance rather than a large plant facility. citeturn659222search19turn659222search3turn659222search7
Loan Details
- Min Amount: £434
- Max Amount: Unknown
- Pricing: Leasing
- Loan Duration: Flexible business terms ⌛
Services & Industries
- Finance Types: Equipment leasing, invoice finance, small-ticket SME finance
- Industries: Small businesses, offices, resellers, medical, machinery, and general SME equipment buyers
Pros
- Low stated entry point
- Strong fit for small and medium businesses
- Fast and convenient processing is part of the pitch
- Clear relevance for IT, office, and medical equipment
Cons
- Public maximum amount is not shown
- Product detail is lighter on exact commercial terms
- May be less suitable for very large-ticket plant or heavy equipment
- Pricing still needs a tailored quote
Sources: Leasing What is Equipment Financing Homepage
7. Close Brothers Commercial Finance Ireland
Close Brothers Commercial Finance Ireland is one of the strongest specialist commercial finance names operating in Ireland. Its asset finance page explicitly says it helps businesses invest in equipment, vehicles, and machinery for growth. The wider product mix includes hire purchase, finance lease, leasing, and capital release, which means the provider can suit a broad set of equipment-led SMEs even if public pricing is lighter than the top-ranked lenders. citeturn659222search12
Loan Details
- Min Amount: Unknown
- Max Amount: Unknown
- Pricing: Hire purchase, finance lease, leasing, capital release
- Loan Duration: Unknown ⌛
Services & Industries
- Finance Types: Hire purchase, finance lease, leasing, capital release, refinancing
- Industries: SMEs, professional practices, transport, IT, plant, machinery and equipment-led sectors
Pros
- Specialist commercial finance expertise
- Broad set of equipment-friendly structures
- Strong fit for growth-focused SMEs
- Clear live page reference to equipment finance use
Cons
- Public loan ranges and rate detail are limited
- Like-for-like comparison is harder than with clearer bank pages
- Best-fit structure usually needs adviser discussion
- More specialist than some smaller borrowers may need
Sources: Asset Finance
8. Bibby Asset Finance Ireland
Bibby Asset Finance Ireland deserves a place because its live page clearly says leasing, hire purchase, and refinancing can help a business acquire the equipment it needs to grow. The same page states that Bibby can fund assets up to the value of £5 million, which is one of the biggest public top-end figures available from Irish-facing equipment finance pages. That makes Bibby especially relevant for businesses buying higher-value equipment or looking to refinance existing assets. citeturn659222search8
Loan Details
- Min Amount: Unknown
- Max Amount: £5,000,000
- Pricing: Leasing, hire purchase, refinancing structures
- Loan Duration: Unknown ⌛
Services & Industries
- Finance Types: Asset finance, leasing, hire purchase, refinancing
- Industries: Irish SMEs, construction, engineering, recycling, plant and machinery users
Pros
- Large public top-end funding figure
- Useful for higher-value equipment
- Can support both acquisition and refinancing
- Independent funder alternative to banks
Cons
- Headline rate or APR is not published
- Best-fit structure still requires a tailored quote
- Public term ranges are less clear than some rivals
- Some SMEs may prefer a bank brand
Sources: Asset Finance Solutions
9. PTSB Asset Finance
PTSB Asset Finance is worth considering if you want a bank-linked provider with a dedicated asset finance operation. Its business finance leasing page says a finance lease is a medium-term rental agreement, typically 3 to 5 years, under which the bank buys the assets the business needs and leases them over a given period. PTSB’s asset pages also confirm that asset finance can be used to buy new or used assets, including equipment, which makes it a practical option even though the public amount and pricing detail are limited. citeturn508379search16turn508379search18turn508379search10
Loan Details
- Min Amount: Unknown
- Max Amount: Unknown
- Pricing: Finance lease and asset finance structures
- Loan Duration: Typically 3 to 5 years for finance leasing ⌛
Services & Industries
- Finance Types: Finance leasing, asset finance, vehicle and equipment finance
- Industries: Businesses and some sole traders buying equipment or vehicles
Pros
- Dedicated Irish asset finance operation
- Clear explanation of finance leasing
- New and used assets can be financed
- Bank-backed option for equipment-led businesses
Cons
- Public rate and amount detail are limited
- Less transparent online than stronger-ranked rivals
- May be better for standard assets than unusual specialist equipment
- Application details are lighter than specialist pages
Sources: Business Finance Leasing Assets We Finance Asset Finance Q&A
10. Deutsche Leasing Ireland
Deutsche Leasing Ireland rounds out the list because it explicitly says it supports Irish businesses and manufacturers with investments in equipment and provides flexible, asset-intelligent financing solutions. The Ireland page also states that 100% financing for new asset purchases is available to preserve the credit line, which is a meaningful public benefit statement for businesses investing in major equipment. Deutsche Leasing ranks tenth because it is more bespoke and less retail-oriented online, but it is still a credible option for larger or more complex equipment investments. citeturn508379search3turn508379search7
Loan Details
- Min Amount: Unknown
- Max Amount: Unknown
- Pricing: Flexible asset finance; 100% financing for new asset purchases
- Loan Duration: Tailored terms ⌛
Services & Industries
- Finance Types: Equipment finance, sales financing, vendor finance, asset finance
- Industries: Manufacturers, equipment buyers, mid-market and internationally connected Irish businesses
Pros
- Strong specialist focus on equipment investment
- 100% financing for new asset purchases is explicitly stated
- Useful for more bespoke or vendor-led solutions
- Dedicated Ireland presence
Cons
- Less user-friendly for quick online comparison
- Public product detail is lighter than bank and specialist SME pages
- No public standard rate or amount range
- Most useful after direct discussion rather than self-serve browsing
Sources: Ireland SME Information
How to choose
Start by matching the lender to the type of equipment you actually need. Some providers are much stronger on specialist categories such as medical, printing, manufacturing, or IT equipment, while others are broader and better for general plant, vehicles, and machinery. Next, compare the structure, because some lenders lean more heavily into hire purchase while others favour leasing or flexible rental-style agreements. Also check whether the lender clearly states the loan to value, whether 100% finance is available, and whether the repayment period fits the useful life of the equipment. If you want the clearest public comparison, the strongest starting points in Ireland are usually the lenders that explicitly mention equipment rather than just using the broader asset finance label. Finally, think about how much cash you want to preserve, because the best equipment finance provider is often the one that lets you secure the asset without putting pressure on day-to-day working capital.
Conclusion
First Citizen Finance stands out for specialist depth and clarity, while Finance Ireland remains one of the strongest large-scale non-bank alternatives in Ireland. Bank of Ireland and AIB are still solid mainstream choices if you want bank-backed equipment finance, and Fexco, grenke, Close Brothers, Bibby, PTSB, and Deutsche Leasing all add useful specialist routes depending on the asset type and deal size. The best provider depends on whether you want the clearest public terms, the most specialist equipment knowledge, or the most flexible structure for preserving cash flow while investing in new kit.
