Overview SME & Agri Finance

SME & Agri Finance Solutions

You do the business
We’ll do the finance

See our finance options

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Finance Ireland Leasing provides the complete range of financing options for Ireland’s SMEs and farmers, whether investing in vehicles, machinery, plant or equipment.

As your business develops so do your financing needs. You need flexibility, quick response times and expert knowledge and guidance. That’s what we are all about.  We’re not a bank, we’re an SME! We understand the development cycle, the peaks, the troughs and the seasonality that every business encounters. 

Talk to us about how best to access the financing you require. We have extensive experience in leasing, hire purchase, commercial vehicle financing & contract hire solutions. We also provide vendor finance for approved suppliers and dealers.

Our Financing Options


SME leasing allows SMEs to finance assets including cars, commercial vehicles, plant and machinery and may other types of equipment. Lease terms are usually between 2 to 5 years and provide the SME with fixed monthly rental payments for the term (payments may be V.A.T. deductible where registered and where applicable).


How does it work?

Leasing is an arrangement whereby the leasing company buys the assets your business needs and leases them to you over a given period (usually 2 – 5 years). In this way you are acquiring the use of the asset without putting your cash flow under extra pressure. At the end of the lease period you can either extend the lease or buy the asset outright (terms and conditions apply).

Hire Purchase

Hire purchase is an agreement whereby fixed plant / equipment / vehicles are purchased by the leasing/HP Company on behalf of the customer and hired for an agreed term. On completion of the term, ownership generally passes to the customer for a nominal sum.


How does it work?

A hire purchase agreement is drawn up and signed by the hirer on behalf Leasing/HP Company. Terms usually range from 2 – 5 years and the asset may be purchased for a nominal amount at the end of the agreed term.

Contract Hire Agreements

Vehicle Leasing

These agreements allow our customers to rent/hire a vehicle for a set monthly payment over a fixed period, generally over 3 – 4 years. Because the monthly payment takes into account the residual value of the vehicle after the contract term, the monthly payment is lower than hire purchase or lease i.e. there is no requirement for the user to pay the entire capital cost. Contract hire agreements can include maintenance packages.

Please contact your Regional Sales Director or the New Business Team at 01 6391370

How does it work?

Contract hire is an arrangement whereby we buy the vehicles and in turn hire them out to SMEs over a term with an agreed residual value depending mainly on term, mileage / usage and resale value. The key benefits of contract hire are that the monthly payments are fixed, the maintenance contract is optional and there is lower initial outlay/deposit and no depreciation risk on the vehicle for the company.

Rental Agreements

Vendor Finance

Rental agreements are leasing facilities available for approved office equipment suppliers to enable SME’s finance photocopiers, printers, telecommunication equipment and business equipment in general. Lease terms tend to be in the range of 2 – 5 years with fixed monthly/quarterly rental. Maintenance packages are also available and payments are VAT. deductible where applicable.


How does it work?

SMEs arrange finance via their own office equipment suppliers who act as intermediaries with ourselves.

Some of our latest deals Expand

Location: Dublin

No. employees: 28

Asset being financed: Company Car

Finance Amount: €40,650

Loan to Value: 87%

Lease vs HP: Lease

Direct vs Dealer: Dealer

Location: Wexford

No. employees: 10

Asset being financed: Forklift

Finance Amount: €67,000

Loan to Value: 93%

Lease vs HP: Lease

Direct vs Dealer: Dealer

Location: Cork

No. employees: 5

Asset being financed: Compressor

Finance Amount: €14,760

Loan to Value: 57%

Lease vs HP: HP

Direct vs Dealer: Direct

Location: Dublin

No. employees: 1

Asset being financed: Van

Finance Amount: €14,057

Loan to Value: 71%

Lease vs HP: Lease

Direct vs Dealer: Dealer

Location: Galway

No. employees: 1

Asset being financed: Tractor

Finance Amount: €20,000

Loan to Value: 50%

Lease vs HP: HP

Direct vs Dealer: Direct

Get in touch

Give us a call

Speak to our specialist team on:

(01) 639 1370

Or request a callback

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Meet the team

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Useful forms & downloads

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SME’s in or facing financial difficulties

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SBCI Funding Available

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In partnership with the SBCI, Finance Ireland offers eligible SMEs and Farmers with asset finance at discounted interest rates.

Why should you lease with Finance Ireland?

We look at things a little differently here. We’re fast, flexible and red tape free. You’ll talk to an expert who will understand what makes your business tick.

  • No loan too small – we will consider any asset finance application

  • First non-bank lender to provide cheaper SBCI funding for qualifying SMEs

  • Same day response or within 12 working hours (smaller financing decisions in as little as 2-3 hours)

  • Nationwide sales network of product experts local to their areas (SME and Agri teams)

Find out more about us

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