Flurish provides business loans to limited companies in the Republic of Ireland. You can borrow from €15,000 to €250,000 and repay over 3 to 48 months. Applying online takes a few minutes, there are no upfront fees, and you get a decision within 24 hours, with funds in your account in a matter of days.

• Loan amount: €15,000 to €250,000
• Repayment term: 3 to 48 months
• Decision: within 24 hours
• Funding: in a matter of days
• Cost to apply: nothing. There are no upfront fees
• Who can apply: Irish limited companies with an established trading history

To date we have supported more than 500 Irish SMEs with over €75 million of funding. Read more about our term loans.

Our loans are open to businesses in any sector, for almost any business need, including:

• Working capital and cash flow
• Buying stock, equipment or other assets
• Expansion, refurbishments and fit-outs
• Hiring staff or growing your payroll
• Technology and infrastructure upgrades
• Other investment to grow your business

To apply for a Flurish business loan, your business must:

• Be a limited company registered with the Companies Registration Office (CRO) in the Republic of Ireland
• Have been actively trading for at least two years
• Have filed financial accounts
• Show enough cash flow to meet the loan repayments comfortably
• Be tax compliant, with an up-to-date tax clearance certificate

We lend to limited companies only, so sole traders and partnerships cannot apply at the moment.

• Your last two years of filed financial accounts
• Six months of business bank statements, or consent to share them securely through Open Banking
• A current tax clearance certificate

When you register, we also ask for your business name and CRO number, your contact details and some financial information about the loan you need.

1. Apply online. Complete the application in a few minutes with basic details about your business and how much you need.
2. Upload your documents. Share your accounts, bank statements (or connect through Open Banking) and tax clearance certificate.
3. Assessment. Our team reviews your application. If we need more information, we will get in touch straight away.
4. Loan offer. If you are approved, you receive a loan offer setting out the amount, term, rate and fees.
5. Get funded. Once you accept the offer and meet its conditions, the money is transferred to your business account.

Prefer to talk first? Our SME funding team will take you through the process. Email info@goflurish.ie or call (01) 912 5832. See also how it works.

Your interest rate depends on the amount you borrow, the term and your business’s financial profile. Every cost is set out clearly in your loan offer before you sign anything:

• A once-off origination fee, deducted from the loan amount when it is paid out
• A monthly servicing fee, where applicable
• A late payment fee, only if a repayment is missed

There is no fee to register or to apply.

• File your annual accounts with the CRO on time and keep your management accounts up to date.
• Keep your tax affairs in order so your tax clearance certificate stays current.
• Keep business banking separate from personal spending.
• Be clear about what the loan is for and how the repayments fit your cash flow.
• Have your documents ready before you apply. It is the quickest route to a decision.

Irish SMEs can borrow from banks, credit unions, State-supported schemes and non-bank lenders like Flurish. Each has its place:

• Banks can offer low rates to well-established businesses, but applications often take weeks, and a no can come late in the process.
• Credit unions and State-supported schemes, such as those available through the SBCI, Microfinance Ireland or your Local Enterprise Office, can be good value, but loan sizes, eligibility and timelines vary by scheme.
• Non-bank lenders like Flurish focus on speed and flexibility: a short online application, a decision in as little as 24 hours and a team you can talk to.

If your bank has said no, or cannot move quickly enough, a non-bank business loan can help you act on an opportunity while it is still there.

• Speed: an answer in 24 hours, not weeks.
• People, not just software: a dedicated account manager who gets to know your business.
• Clear costs: no upfront fees, and every cost shown in your loan offer.
• A long-term partner: as your business grows, your funding can grow with it.
• Track record: more than 500 Irish SMEs supported with over €75 million of funding.

Flurish is based at 22 Lower Baggot Street, Dublin.

How much can my business borrow?
From €15,000 to €250,000, depending on affordability and your financial performance.

How long can I repay over?
Between 3 and 48 months, depending on the loan.

How quickly can I get the money?
Applying takes a few minutes. We give you a decision within 24 hours, and once you accept your offer the funds reach your account in a matter of days.

Is there a fee to apply?
No. Registering and applying are free, and there are no upfront fees.

Can a sole trader apply?
Not at the moment. We lend to limited companies registered in the Republic of Ireland.

What happens if my application is declined?
We will tell you and explain why. You can reapply once your circumstances improve.

What if I struggle with repayments later?
Contact us straight away. Depending on your situation, we may be able to offer a payment extension or a restructuring plan.

Start your application. It takes a few minutes and there is no fee to apply. More answers in our FAQ.