Business loan
A fixed term and a fixed repayment. Best when the money is going into something with a predictable return and your trading is steady enough to plan around.
Repaid from monthly trading
LoanGuru Business Finance · Dublin
Your trade already has a number. Here is what it drew down.
We arrange business finance for the trades that keep Irish towns open: kitchens, counters, chairs, dispensaries and vans. Pick the one that looks like yours and see what we put in place for it, and which kind of finance did the job.
€195,000
Indian restaurant chain
Business loanA group of restaurants growing past the point where one site could fund the next one.
1 / 9 arranged
Every figure on this board is a facility we have already arranged for a business in that trade. It is not a quote, an offer, or an indication of what you would be offered. All finance is subject to lender approval, your circumstances and the lender's own terms.
Why the same amount arrives four different ways
The question is not how much. It is what you pay it back out of.
A chipper and a tile supplier can borrow the same money and should almost never borrow it the same way. What separates them is where the repayment comes from, and that is the part we get right before anyone talks about a number.
Revenue-based funding
A merchant cash advance takes an agreed slice of your card takings. Quiet January, smaller payment. It suits counters and chairs, where takings move with the season.
Repaid from card takings
Asset and vehicle finance
Hire purchase against the van, the truck or the machine itself. The asset earns while it is being paid for, so the equipment carries its own cost.
Repaid from what the asset earns
Invoice finance and refinance
Money that is already yours, released early against invoices you have raised, or existing facilities restructured onto terms that stop crowding your cash flow.
Repaid from your debtor book
Work out where you stand
Give us the number and what it is for. We will tell you which finance fits it.
This will not quote you a rate, and you should be wary of any page that does: the rate is the lender's, and it moves with your accounts. What it will do is name the finance we would reach for first, tell you what usually gets asked for, and show you exactly where your number lands against the facilities we have already arranged.
Drag it, or type the figure you have in mind.
Nothing you touch here is submitted anywhere. It just shows you what we would say if you rang.
What we would reach for first
Business loan
A fixed term and a fixed repayment. It suits money going into something with a predictable return, when your trading is steady enough to plan the month around.
And the one we would weigh it against
Asset financeYour number against what we have arranged
€5,000€250,000
€45,000 is bigger than 8 of the 13 facilities we have published, and smaller than 5 of them. The closest is €38,000, arranged for a bar and restaurant.
What a lender usually wants to see
- Six months of business bank statements
- Your most recent set of accounts
- A line on what the money is buying
The first thing we would ask you
“What does the month look like when the repayment lands, rather than what the year looks like?”
The 13 facilities behind this are ones we have already arranged and published. Nothing here is a quote, an offer, a credit decision or an indication of what you would be offered, and no rate, cost or repayment is shown because none is set until a lender has seen your accounts. All finance is subject to lender approval, your circumstances and the lender's own terms.
Bank said no?
A decline is one lender's view, not a verdict on your business.
Banks apply one credit policy to every trade that walks in. We work a panel of Irish and UK lenders, so a business that does not fit one lender's box is measured against the next one instead of being sent home. That is the whole reason LoanGuru exists.
Who we work with
We know your trade before you explain it.
Hospitality, retail, salons, pharmacies, clinics, garages and suppliers. Different rooms, same problem: the money arrives after the cost does.
The person you deal with
You will not be handed down a chain.
Alva Horgan founded LoanGuru in 2019 after twenty years across finance and technology, and she still takes the first call herself. That matters more than it sounds: the lender panel only works if somebody already knows which lender says yes to a salon in November and which one will not look at a takeaway at all.
- Founded in 2019, working across Ireland and the UK
- Twenty years of combined experience in finance and technology
- A panel of lenders rather than a single credit policy
- Registered in Dublin, at 13 Adelaide Road
★★★★★
“I can't recommend Alva at LoanGuru.ie highly enough! From start to finish, the service was professional, friendly, and incredibly efficient. Alva took the time to explain everything clearly, answered all my questions promptly, and made what could have been a stressful process feel straightforward and hassle-free. Her knowledge, honesty, and genuine commitment to finding the best solution for my situation really stood out.”
Lenders and partners we work with
- Braemar Finance, part of Close Brothers Group
- Linked Finance
- YouLend
- PaymentPlus
Talk to us
Tell us the trade and the number. We will tell you the honest options.
No forms that go nowhere. Ring the mobile below or send a line about what the money is for, and you will get a straight answer about which kind of finance fits, including when the answer is that now is the wrong time to borrow.
Business finance is subject to lender approval, status and terms, and security or a personal guarantee may be required. Figures shown on this page are facilities already arranged for other businesses and are not an offer or a quote. Consider whether the repayments are affordable for your business before you borrow.
Phone+353 87 14000 26
Emailinfo@loanguru.ie
Office13 Adelaide Road, Dublin 2
HoursMonday to Sunday, 9am to 5pm