Finance Ireland
Established panelStrongest published fit: Larger senior and stretched-senior commercial property cases nationwide.
- €1m to €35m
- Up to 100% of financing requirement, capped at 80% LTV
- Dublin-based credit decisions
Commercial property finance across Ireland
Commercial lending shaped around the deal
For property investors, developers and trading businesses seeking acquisition finance, refinancing, bridging, development funding or equity release.
€250k+Options across our researched market
NationwideAsset and location dependent
6Commercial funding solutions
One briefStructured for lender review
BENEFITS SUMMARY
Why Use a Commercial Finance Broker?
Broad market review. Bank and non-bank options considered, based on each lender’s appetite for your asset, location and borrower profile.
Deal-led structuring. LTV, cash flow, term and exit assessed together, rather than rate alone.
Clear next steps. Know what is missing before lender submission, so avoidable questions are dealt with early.
Managed to completion. We explain the trade-offs and coordinate the case through terms, credit and completion.
What We Do as Commercial Finance Brokers
We Help You Compare the Market and Make the Right Decision for Your Deal
Commercial lending is not a single-product market. Different banks and specialist lenders have different appetites for property type, location, leverage, borrower experience, income, timing and exit strategy.
We start by understanding what you are trying to achieve. We then identify the realistic options across our lender market, compare the important terms and help you choose the structure that fits your priorities.
How we work
Three Steps to the Right Facility
- Understand the transaction. We establish the funding purpose, asset, borrower, amount, timescale and intended exit.
- Compare the available options. We assess lender appetite, leverage, rate, fees, term, repayment profile, security, covenants and speed.
- Recommend and manage. We explain the trade-offs, help you select the right option and coordinate the case through terms, credit and completion.
ENQUIRE NOW
Tell Us What You Are Looking For
You do not need a full lender pack to start the conversation. Give us the broad details and a member of the team can help you work out the next step.
- A quick initial sense-check
- Discussion of suitable funding routes
- Clear guidance on the information needed next
COMMERCIAL LENDING
Funding for Straightforward and Specialist Property Transactions
Commercial finance is rarely decided on rate alone. We first establish the asset, borrower, leverage, repayment capacity, timescale and exit, then approach the providers whose appetite fits the case.
01
Acquisition Finance
Senior debt for commercial, mixed-use, residential investment and trading properties.
02
Refinance and Equity Release
Replace existing debt, extend term or release capital from a performing asset or portfolio.
03
Bridging Finance
Short-term funding for urgent purchases, auctions, lease-up, light works or a defined refinance.
04
Development and Refurbishment
Site, build-cost and staged facilities supported by planning, costings, experience and a credible exit.
05
Hospitality and Trading Assets
Hotels, pubs and other trading properties assessed on both property value and sustainable cash flow.
06
Complex or Time-Sensitive Cases
Debt settlements, transitional assets and bespoke structures where execution matters.
RECOMMENDED PROCESS
From First Screen to Heads of Terms
Submitting a complete, consistent brief creates competition and reduces avoidable questions.
1
Screen the case
Confirm purpose, amount, asset, location, borrower experience, LTV, cash flow, timing and exit.
2
Build the lender brief
Prepare a concise proposal with ownership, track record, sources and uses, security, tenancy and financial metrics.
3
Shortlist and compare
Approach lenders with a genuine fit. Compare total cost, leverage, covenants, recourse, speed and certainty, not headline rate alone.
4
Secure indicative terms
Clarify conditions, fees, valuation, legal process, deposit requirements and any outstanding credit points.
5
Credit, legal and drawdown
Coordinate due diligence, valuation, solicitors, surveys and conditions through to the facility letter and completion.
LENDER FIT
Where Current Providers Appear Strongest
Public criteria checked 30 September 2026. Pricing and credit appetite must be reconfirmed for every case. Use the filters to see which providers suit term, bridging, development, speed or higher-leverage requirements.
Relm Finance
Established panelStrongest published fit: Experienced sponsors, transitional assets, bridge-to-term and portfolio-scale facilities.
- Term €1m to €15m, up to 4 years and 75% LTV
- Bridge €1m to €4m, typically 6 to 18 months
- Large facilities from €15m
Capitalflow
Established panelStrongest published fit: SME property owners and investors seeking commercial, BTL, mixed-use or licensed-premises finance.
- Commercial loans, bridging and buy-to-let
- Retail, industrial, commercial and mixed-use
- Internal figures require case-by-case confirmation
Pinemont Finance
Established panelStrongest published fit: Urgent, short-duration corporate borrowing with a clear exit and first-charge security.
- From €350k; published maximums vary
- Up to 65% LTV and typically up to 6 months
- Heads of terms can follow quickly after evaluation
Onate
Additional providerPotential niche: Fast corporate bridging and longer-term finance, including light refurbishment with planning in place.
- €250k to €5m; larger considered
- Up to 75% LTV in prime locations
- Terms up to 60 months
Bolt Capital
Additional providerPotential niche: Mid-market bridge for acquisition, refurbishment and bridge-to-occupancy.
- €750k to €15m
- 6 months to 2 years
- Bespoke commercial real estate structures
Castlehaven Finance
Additional providerPotential niche: Experienced residential developers requiring development or bridging finance nationwide.
- Facilities from €1m
- Private, social and residential developments
- Specialist development team
Elgin Property Finance
Additional providerPotential niche: Development funding for housing and specialist assets where high development-cost coverage is required.
- Deals from €2m
- Up to 90% of development costs
- Housing, care homes, student, hotels and commercial
Property Bridges
Additional providerPotential niche: Small and mid-sized Irish homebuilders needing bridging or development funding.
- Direct lending-team review
- Due diligence can be completed in around four weeks
- Regulated crowdfunding service provider
How to read this: “Strongest fit” is a broker triage view based on public criteria and our internal guide, not a promise of approval or the lowest total cost. Terms depend on the complete proposal, valuation, credit, legal due diligence and market conditions.
AFTER YOUR FIRST CONVERSATION
Detailed Heads of Terms Questionnaire
Once we have discussed your objectives and likely funding routes, this questionnaire helps us collect the fuller information lenders need. Complete what you know; it highlights gaps and produces a structured case summary. Nothing is sent or stored by this page.
Step 1 of 6 · Borrower and sponsor17%
FREQUENTLY ASKED QUESTIONS (FAQs)
What is required to obtain heads of terms?
A lender normally needs a credible borrower profile, a clear transaction and funding request, property details, current or projected income, leverage, requested term, exit strategy and enough supporting information to test the key assumptions.
Which lender is cheapest?
There is no reliable answer without a fully specified case. Senior term debt is generally cheaper than bridging or development finance, but the lowest quoted margin may not produce the lowest total cost once fees, amortisation, exit charges, legal costs and timing are included.
How quickly can terms be issued?
A well-prepared case may receive an initial indication quickly, but formal terms depend on lender appetite and information quality. Urgent bridge lenders may respond within a day; full credit, valuation and legal completion take longer.
Does completing this questionnaire mean I will get funding?
No. It structures an initial assessment only. All lending is subject to lender criteria, valuation, credit approval, legal due diligence and satisfactory documentation.
MORE HELPFUL GUIDES & ADVICE
Guides for Commercial Lending
CLIENT TESTIMONIALS
What Our Clients Say
Ready to Explore Your Options?
Money Maximising Advisors Ltd is regulated by the Central Bank of Ireland. C154250.
Warning: If you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit in the future.
Warning: The cost of your monthly repayments may increase.
Warning: You may have to pay charges if you pay off a fixed-rate loan early.