Fast, no hassle

business lending

Fast, no hassle

business lending

get a business loan

Linked Finance has thousands of members of the public willing to fund a business loan for your SME. These lenders support businesses they believe in, understand and want to see succeed.

We’ve supported over 2,500 businesses access working capital loans, stocking loans and loans for growing their businesses in recent years, lending over €135m into the Irish economy. Why not join them and feel the difference working with us?

Our business loans offer a fast, fair and affordable alternative for financing your plans to run and grow. You can apply for your loan online in minutes. Try it today! 

Seachange | Working with Linked Finance

our business loan packages

When a business opportunity presents itself, you want to move fast. Whether you need working capital to fulfil a new contract, a short term stocking loan to meet customer demand, or finance to purchase new equipment, Linked Finance is here to support you realise your business goals, quick and with no hassle. 

We have a range of stocking loans, working capital loans and business growth loans to suit all circumstances. Our innovative new Deferred Start Loan also provides the essential working capital you need today, with the reassurance of no repayments for 3 months. 


Flexible Stocking Loans
  • 24 hour credit decision
  • No drawdown restrictions
  • Typical 6-12 month terms
  • Penalty-free early repayment
  • Loans from €5000 - €300,000
  • Fixed rate from 6% p.a.*


no hassle working capital
  • 24 hour credit decision
  • No drawdown restrictions
  • 6 month - 3 year terms
  • Penalty-free early repayment
  • Loans from €5000 - €300,000
  • Fixed rate from 6% p.a*

"Deferred start"

3 month break
  • 24 hour credit decision
  • 3 months payment-free
  • 12 fixed monthly repayments
  • Penalty-free early repayment
  • Loan value up to €100,000
  • Fixed rate of 10.45% p.a

"New Start"

For reopening businesses
  • 24 hour credit decision
  • 3 months payment-free
  • 12 fixed monthly repayments
  • Penalty-free early repayment
  • Typical loan value €25,000
  • Fixed rate of 10.45% p.a

* The interest rate that will apply to our Restart and Kickstart Loans will depend on the credit grade applied based on your business circumstances, and the term required for the loan.

The linked finance promise


We need just 3 documents. No business plans, no projections.


No slow 'no' - We can give you a credit decision in just 24 hours.


A dedicated Account Manager will see your application through.

what our customers say

"Not only did we get our loan fully funded, but we got to establish a connection with the Linked Finance lenders who supported us and we have already seen an increase in sales and enquiries"

Lisa Readan

“Access to a quick & flexible source of finance was essential to us. P2P lending provides a great alternative to banks. Linked Finance made the entire process as easy as possible and we will definitely use the platform again when we need to finance growth.”

Fergal Rogers

"Our experience with Linked Finance was wonderful. We raised the funds we needed to grow the business and we got the opportunity to connect with great local lenders"

Deirdre Mc Cafferty

frequently asked questions

The minimum amount you can borrow is €5,000. The maximum is €300,000. The loan is at a fixed rate of interest* and the term of the loan is up to 3 years. The loan is repayable in monthly installments and by direct debit.

The loan should be used to help grow your business. For example, you might use it for:

  • improving working capital
  • asset finance (such as the purchase of new machinery, vehicles or information technology)
  • expansion capital (which could involve employing a new salesperson to help grow your business)

*Further details on interest rates may be seen in FAQ 4

Any established and creditworthy business, whether it is a limited company, sole trader or business partnership, can apply for a loan on Linked Finance.

Some conditions apply. These include:

  1. If you are a sole trader, you must be a permanent resident of Ireland.
  2. If your business is a partnership, it must have a permanent place of business in Ireland and at least half of its partners must be permanent residents of Ireland.
  3. If your business is a limited company, it must be registered with the Companies Registration Office (CRO).
  4. It must have filed accounts with the CRO (if required to do so) at least once and at least half of its directors must be Irish residents.
  5. Your business must have been actively trading for at least the past two years.
  6. Your business must meet our minimum credit risk and fraud criteria.
  7. Your business must not have any outstanding judgements for more than €250.
  8. In special circumstances, we can support younger companies who have demonstrated strong growth potential over a shorter trading history but this is at Linked Finance’s sole discretion.

Our lenders will be ordinary individuals,companies or other organisations. All lenders must hold an Irish bank account. When a lender registers on Linked Finance, we check their identity according to the highest industry standards. By doing this, we know exactly who is joining the network.

To ensure you get a fair interest rate on a Linked Finance loan, the rate you pay is always determined by our credit evaluation process. The rates available range from 6% to 17.5% depending on the term and the loan grade we assign to your request.

First, register as a borrower on Linked Finance. Second, complete our online loan application form. Once you have done this, we will request supporting documentation from you in order to carry out credit and fraud checks using the information you have given us. Your application cannot progress until we have received this documentation.

Then we will decide if we will allow your application to be listed on Linked Finance. If you are successful, we will tell you the loan grade we have assigned to your rate and the relevant rate. At that point you can decide if you would like to have your loan request published.

Once your loan request is posted on the site, the bidding process will start.

Once your loan request goes live on the site, bidding will commence. A limit of 14 days is typically placed on each loan request but loans generally fund a lot quicker. You can check out the ‘Live Loans’ section to see how long it has taken other businesses to fund.. Once your loan is fully funded, you can accept the loan and have the funds within 24 hours.

get started with us