Construction activity in Ireland is slowing sharply. According to the latest AIB PMI report, the sector contracted at the fastest pace in 18 months in June 2025. Residential and civil engineering projects have been hit hardest, with fewer new orders, falling employment levels, and growing caution across the industry.
For small builders and contractors, this kind of uncertainty makes access to finance more important than ever. You need to stay flexible, act fast, and hold onto cash where you can. That’s where we come in.
At BusinessLoans.ie, we help small construction businesses get the funding they need—without the long delays, complex paperwork, or big-developer requirements you’ll often find elsewhere.
Finance that Works When the Market Doesn't
When banks get cautious, finance can dry up—even for profitable, well-run businesses. But we work with builders and contractors across Ireland every day, helping them:
Buy or repair plant, vehicles and tools
Cover wage bills or take on new staff
Fund deposits for land or housing sites
Navigate cashflow gaps between jobs
Refinance or consolidate existing debt
Whether you’re finishing out a project, starting a new build, or just trying to manage through a quiet patch, we can help you find the right funding to stay on track.
Loan Options We Offer
We specialise in finance that fits the realities of running a small construction business.
Unsecured Business Loans
These don’t require collateral and can be approved quickly. They’re ideal for working capital, materials, hiring or emergencies—when speed matters.
Bridging Finance
Short-term loans to bridge the gap between outgoing costs and incoming payments. Useful if you’re waiting on planning, certifications, or a delayed client payment.
Secured Loans
For larger investments—like buying plant, vehicles, or even a yard—we arrange asset-backed funding at competitive rates, with terms that suit your project timelines.
Why Builders Are Choosing Private Finance Now
With traditional lenders tightening criteria and the state-backed HBFI focusing on larger, lower-risk schemes, private finance is playing a bigger role for small and mid-sized builders.
Faster decision-making
More flexible repayment terms
Options tailored to small construction firms
Willingness to fund regional and one-off projects
We don’t just look at last year’s numbers—we look at the full picture, including current jobs, pipeline, and where your business is headed.
Keep Building—Even Through a Slowdown
The construction slowdown won’t last forever. But if you want to be ready for the next upturn, now is the time to invest wisely, manage cashflow carefully, and make sure finance doesn’t hold you back.
We’re here to help you do exactly that—with straightforward advice and a wide range of funding solutions designed for Irish builders.
Talk to Us
If you’re running a construction business and want to explore your finance options, we’ll run through everything—quickly and clearly, with no obligation.
Call the BusinessLoans.ie team on 01 55 636 55 or APPLY HERE.
