Top 10 Asset Finance Providers in Ireland
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If you want to spread the cost of vehicles, machinery, plant, equipment, or technology without tying up working capital, asset finance can be one of the most practical funding options in Ireland. This guide focuses on lenders and finance providers with live Ireland-facing asset finance, leasing, or hire purchase pages. For consistency with your preferred formatting, figures are shown in £ where a public amount was available, using the ECB euro to pound reference rate of 30 March 2026. Where a provider does not publish a standard APR, the pricing field reflects the live model it promotes instead, such as fixed rate, fixed monthly rentals, hire purchase, or leasing.
1. Finance Ireland
Finance Ireland ranks first because it combines breadth, scale, and public product clarity better than most non-bank asset finance providers in Ireland. Its SME and agri finance pages show multiple business asset funding routes, including leasing, hire purchase, contract hire, and rental agreement structures for cars, commercial vehicles, plant, machinery, and other business equipment. The business also states that SME leasing typically runs for 2 to 5 years and can provide 100% finance, which makes it a strong option for businesses that want to preserve cash while funding assets over a fixed term.
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 agreement, agri finance, green and sustainability funding
- Industries: SMEs, agri businesses, transport operators, equipment buyers, sustainability-led firms
Pros
- Ireland’s largest non-bank lender with broad asset finance capability
- Public pages clearly outline multiple finance structures
- 100% finance is available on SME leasing
- Useful for both general SME and agri asset purchases
Cons
- Standard public loan ranges are not clearly published
- APR is not shown in a way that allows easy like-for-like comparison
- Some specialised products sit under separate business units
- Best-fit structure may require speaking to the team rather than self-serve quoting
Sources: SME & Agri Finance About Finance Ireland
2. Bank of Ireland
Bank of Ireland is one of the clearest mainstream bank options for asset finance in Ireland. Its live asset finance page says finance is available from €7,000, converted here to about £6,100, with fixed rate payments, new or used assets, terms of 24 to 60 months depending on asset age, and seasonal arrangements where required. That combination of public detail, broad asset coverage, and strong bank credibility makes it one of the best benchmark options for Irish businesses comparing hire purchase and leasing.
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 finance
- Industries: General SMEs, transport, plant, equipment, agriculture, machinery buyers
Pros
- One of the clearest bank asset finance pages in Ireland
- Fixed rate payments support budgeting
- New or used assets can be financed
- Seasonal repayment arrangements are available
Cons
- Maximum public lending amount is not clearly published
- You may have to pay early repayment charges on fixed-rate agreements
- Bank underwriting can be slower than some non-bank funders
- Not the lightest-touch option for specialist or unusual assets
Sources: Asset Finance
3. AIB Finance & Leasing
AIB Finance & Leasing is another leading bank-backed provider with a strong presence in Irish asset finance. Its live asset finance page highlights leasing and hire purchase, 100% financing available, flexible repayments, fixed interest rate pricing, and terms that usually run up to five years, with longer periods possible by discussion. That makes AIB particularly attractive for established businesses wanting a bank relationship and funding for machinery, equipment, and vehicles without paying the full purchase cost up front.
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, bank-backed asset finance
- Industries: General SMEs, transport, plant, machinery, equipment-led businesses
Pros
- Strong bank-backed funding option
- 100% financing is available on qualifying deals
- Fixed interest pricing helps with cost certainty
- Any asset or business size can be considered according to the live page
Cons
- Public loan size ranges are not clearly published
- Security may still be required in some cases
- Relationship-led application process is less self-serve than specialist providers
- Longer-term pricing still requires direct discussion
Sources: Asset Finance
4. First Citizen Finance
First Citizen Finance is one of the stronger specialist asset finance providers for Irish SMEs that want a more focused equipment finance proposition than the main banks. Its current business equipment pages say finance is typically available over 2 to 7 years with up to 90% LTV, fixed interest rates, and both hire purchase and leasing. An official First Citizen asset finance brochure also cites a maximum drawdown of €350,000 per individual asset, converted here to about £303,800, which gives useful context for the scale it can support.
Loan Details
- Min Amount: Unknown
- Max Amount: £303,800
- 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, business leasing, agri finance, equipment finance
- Industries: SMEs, agri businesses, construction, transport, manufacturing, medical and specialist equipment buyers
Pros
- Specialist equipment finance focus is stronger than many generalist banks
- Fixed rates and up to 90% LTV help with planning
- Wide range of asset categories are supported
- Same-day decisions are promoted on SME equipment pages
Cons
- Public pricing is described by structure rather than APR
- Approved supplier and dealer requirements can apply
- Some detailed amount guidance comes from official brochure material rather than a live calculator
- Less suitable for businesses wanting a fully digital application journey
Sources: Business Equipment Finance Official Brochure Asset Finance for SMEs
5. Close Brothers Commercial Finance Ireland
Close Brothers Commercial Finance Ireland is one of the best-known specialist asset finance brands operating in Ireland. Its current asset finance page says it offers flexible funding options including hire purchase, leasing, and capital release, designed to help Irish businesses invest in equipment, vehicles, and machinery for growth. The wider site also highlights sector coverage for professional firms and other specialist business types, which makes it especially useful for businesses that want a direct specialist rather than a general bank product.
Loan Details
- Min Amount: Unknown
- Max Amount: Unknown
- Pricing: Hire purchase, finance lease, leasing, and capital release structures
- Loan Duration: Unknown ⌛
Services & Industries
- Finance Types: Hire purchase, finance lease, leasing, capital release, refinancing
- Industries: SMEs, professional practices, transport, IT, office fit-outs, equipment-led sectors
Pros
- Dedicated Irish specialist commercial finance operation
- Broad asset finance toolkit beyond simple leasing
- Good fit for businesses with specialist equipment needs
- Strong direct lender positioning in Ireland
Cons
- Public loan ranges and headline rates are limited
- Like-for-like pricing comparison is harder than with bank pages
- Best-fit structure often requires adviser discussion
- More specialist positioning may be more than a small borrower needs
Sources: Asset Finance Professions
6. Bibby Asset Finance Ireland
Bibby Asset Finance Ireland deserves a place because it has one of the clearest current Irish asset finance pages outside the main banks. The page says Bibby can help businesses acquire equipment through leasing, hire purchase, and refinancing and can fund assets up to the value of £5 million. That makes it especially relevant for larger asset purchases or businesses that want a more flexible independent funder rather than relying on a single bank relationship.
Loan Details
- Min Amount: Unknown
- Max Amount: £5,000,000
- Pricing: Hire purchase, leasing, and refinancing structures
- Loan Duration: Unknown ⌛
Services & Industries
- Finance Types: Asset finance, hire purchase, leasing, refinancing
- Industries: Irish SMEs, construction, engineering, recycling, transport, plant and machinery users
Pros
- Strong maximum asset funding figure on the live page
- Independent SME funder with flexible structures
- Can support both new asset acquisition and refinancing
- Useful for larger and more complex asset transactions
Cons
- Headline public rate or APR is not published
- Best fit is often clearer after a conversation with the team
- Some businesses may prefer a mainstream bank brand
- Public term ranges are less explicit than some rivals
Sources: Asset Finance Solutions About Us
7. Capitalflow
Capitalflow is a major Irish non-bank lender that publicly states it offers asset finance alongside business loans and property lending. While the main website is lighter on standardised pricing than some providers, Capitalflow has long positioned asset finance around leasing, hire purchase, and refinancing, and its case studies continue to show support for equipment and vehicle finance across Irish SMEs. It is a good option for businesses that want a more relationship-led non-bank funder that can look across multiple finance needs.
Loan Details
- Min Amount: Unknown
- Max Amount: Unknown
- Pricing: Leasing, hire purchase, refinancing
- Loan Duration: Unknown ⌛
Services & Industries
- Finance Types: Asset finance, hire purchase, leasing, refinancing, business loans
- Industries: SMEs, construction, transport, equipment-led businesses, growth firms
Pros
- One of Ireland’s best-known non-bank lenders
- Asset finance sits alongside wider business funding options
- Real people and relationship-led decisions are part of the brand message
- Good for businesses comparing non-bank routes
Cons
- Public product details are less standardised than some competitors
- Loan ranges and pricing are not clearly published on the current homepage
- More suited to discussion-led quoting than instant comparison
- Asset finance details are spread across multiple pages and older material
Sources: Homepage Case Studies
8. PTSB Asset Finance
PTSB Asset Finance is worth considering if you want a bank-linked provider with dedicated asset finance support rather than a generic business loan. PTSB’s asset finance pages state that asset finance is available to businesses and, for certain vehicle purchases, sole traders too. The site also says business finance leasing is typically a 3 to 5 year medium-term rental agreement, which provides enough public structure to make it a credible option for vehicle and equipment purchases.
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: Asset finance, finance leasing, business hire purchase-style vehicle funding
- Industries: Businesses, sole traders buying dealer vehicles, general SME asset purchasers
Pros
- Dedicated asset finance section rather than a generic loan page
- Bank-backed name with clear Irish regulation disclosure
- Useful for vehicles and business equipment
- Typical finance lease term is clearly explained
Cons
- Public loan size and pricing detail are limited
- Less transparent online than Bank of Ireland and AIB
- May be more suitable for standard assets than unusual equipment
- Application details are lighter than some specialist non-bank competitors
Sources: Asset Finance Business Finance Leasing Questions and Answers
9. Fexco Asset Finance
Fexco Asset Finance is a solid specialist option for Irish businesses wanting leasing or hire purchase from a provider better known for tailored solutions than for public rate cards. Its site says it offers flexible funding solutions for businesses across Ireland, including leasing and hire purchase business loans, and it has dedicated sector pages for transport, manufacturing, car finance, and technology equipment. That makes it a good fit for businesses that want sector-specific asset finance rather than an all-purpose SME loan page.
Loan Details
- Min Amount: Unknown
- Max Amount: Unknown
- Pricing: Leasing or hire purchase structures
- Loan Duration: Unknown ⌛
Services & Industries
- Finance Types: Leasing, hire purchase, transport finance, technology finance, manufacturing equipment finance
- Industries: SMEs, transport, manufacturing, technology and vehicle buyers across Ireland
Pros
- Clear Irish asset finance offering with multiple sector pages
- Useful for specialist equipment categories
- Leasing and hire purchase both available
- Part of a larger, well-known Irish financial services group
Cons
- Public pricing and term detail are limited
- Harder to compare quickly than bank pages with clearer term ranges
- No standard public loan range shown on the main page
- Best suited to businesses willing to engage for a quote
Sources: Asset Finance Hire Purchase Manufacturing Equipment Finance
10. Deutsche Leasing Ireland
Deutsche Leasing Ireland rounds out the list because it is explicitly described on its official site as an established asset finance provider in Ireland. It is not the most consumer-friendly website for quick comparison, but it has a real Irish presence and a clear focus on leasing and investment solutions for business assets. That makes it more relevant to mid-sized and internationally connected businesses that want an established specialist rather than a standard small business bank product.
Loan Details
- Min Amount: Unknown
- Max Amount: Unknown
- Pricing: Leasing and asset finance solutions
- Loan Duration: Unknown ⌛
Services & Industries
- Finance Types: Leasing, asset finance, investment solutions for business assets
- Industries: Irish businesses, mid-market firms, cross-border and investment-led companies
Pros
- Officially positions itself as an established asset finance provider in Ireland
- Strong international asset finance background
- Relevant for larger or more specialised investment needs
- Dedicated Ireland information pages are available
Cons
- Public product detail is lighter than with more retail-oriented providers
- Harder for small SMEs to compare quickly online
- No public standard rate or amount range on the Ireland page
- Most useful after a direct discussion rather than as a self-serve option
Sources: Ireland SME Information
How to choose
Start by matching the type of asset you need to the provider’s real strengths. If you want broad mainstream options and clearer public terms, Bank of Ireland and AIB are good places to begin. If you want a specialist non-bank provider that focuses more heavily on leasing, hire purchase, and flexible structuring, Finance Ireland, First Citizen, Close Brothers, Bibby, Capitalflow, and Fexco are worth a closer look. If your business needs a more bespoke or larger-ticket solution, providers such as Deutsche Leasing may be more suitable. Also check whether the provider offers fixed rate repayments, fixed monthly rentals, or a more bespoke quote-led structure, because that makes a big difference to budgeting and like-for-like comparison.
Conclusion
Finance Ireland stands out for breadth and non-bank scale, while Bank of Ireland and AIB are strong mainstream banking benchmarks for Irish asset finance. First Citizen, Close Brothers, Bibby, and Capitalflow give businesses more specialist alternatives if a standard bank product is not the right fit. The best provider depends on the asset you want to fund, how much pricing transparency you need up front, and whether you prefer a mainstream bank, a non-bank specialist, or a more tailored commercial finance relationship.
