Fast affordable finance
Business loans up to €150,000

Get a Flender loan

Same day approval
Funds transferred in 24 hours

Fast affordable
finance

Same-day credit
decisions

Competitive
rates

Loans up to
€150,000

Terms up to
3 years

How will you use your Flender business loan?

Flender offers fast decisions, competitive rates and terms up to 3 years. And with loans between €15,000 and €150,000 we can help you with:

  • Launching a new product
  • Business expansion
  • Project financing
  • Working capital
  • Marketing

“Flender gave me the
opportunity to expand
my business with growth capital.”

Marc O’Dwyer, Big Red Cloud

€10,973,499

Lent to
Irish businesses

7361

Amount of
lenders

588

Irish jobs
created

What is Peer-to-Peer Finance?

Peer-to-Peer (P2P) finance offers a fast and flexible alternative to traditional banks. Peer-to-Peer lending is a form of crowdfunding that matches businesses that wish to borrow with investors willing to lend to them. And because Peer-to-Peer finance providers like Flender operate online and have none of costs associated with bricks and mortar branches, they can offer better rates of return than the banks.

Technology and innovation have also simplified and accelerated the process of obtaining business loans to such an extent that Flender borrowers can receive funds within 24 hours of applying for a loan.

Peer-to-Peer finance is attractive to SME borrowers because of its speedy decisions, minimal paperwork and competitive rates.

For investors, Peer-to-Peer finance offers substantially higher returns than those offered by traditional banks. And all borrowers go through a rigorous credit checking and affordability process, so Flender investors can lend with confidence.

Advantages of Peer-to-Peer Finance with Flender

For Borrowers

  • Simple transparent process
  • Decisions within 24 hours
  • No paperwork
  • Flexible terms
  • Great rates

For Investors

  • Rigorous credit checking process
  • Auto-invest using AutoFlend
  • Excellent rates of return
  • Diversified investments
  • No fees

FAQ

Flender is open to any business who wishes to secure funding where a set of audited accounts are available. Lenders can be resident anywhere in the world. Borrowers who create Flender campaigns need to hold residence in Ireland. Anyone that meets the affordability and credit check requirements is eligible to launch a campaign on Flender. In order to create a campaign, the borrower must meet the following requirements:
  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). It must have filed accounts with the CRO.
  4. Your business must have been actively trading for at least the past two years.
  5. Your business must meet our minimum credit risk and fraud criteria.
  1. At Flender, we believe that traditional methods of financial borrowing are outdated, imbalanced and impersonal. We felt there was an opportunity to create an alternative method of lending that gave borrowers more control over how they borrow and an opportunity to get more than money from the transaction: loyalty and increased trust.
  2. Our goal was to develop Peer-to-Peer lending network that would allow businesses to raise funds from lenders within their own social circle and customer base, and investors willing to lend to them. Our loans are funded by a community of thousands of investors, comprised of institutions and over 5,000 people, all looking to lend to Irish businesses like yours. Our approach means that borrowers can access fast and affordable finance, and lenders can safely lend to creditworthy businesses and people they know and trust.
  3. Flender’s purpose is two-fold:
    1. Lenders can bid on which campaigns they would like to back, whilst earning more interest than a standard savings account.
    2. Borrowers can raise funds whilst sharing their story with people whom they already have a connection. While doing this we provide a layer of security and structure to the process that ensures both borrowers and lenders are protected.
  1. ID & Address Confirmation
  2. Trading accounts for the past 2 years
  3. Bank Statements (last 6 months)
  4. Tax Clearance Certificate
All borrowers go through affordability and credit checks before their campaign is eligible for participation. A successful campaign requires signed contracts by all parties before proceeding.
  1. Flender loans and activities are subject to the laws in the country of the origin of the relevant campaign.
  2. At Flender, we are committed to keeping your information secure and in protecting your privacy. You can read more about this in the privacy policy section of our Customer agreement.
Getting started on your funding journey is easy. Just click “Get a Flender loan” anywhere on the website. Once registered you can begin creating your profile.
Businesses can borrow between €15,000 and €150,000 for terms of up to three years. The amount that you wish to borrow, interest rate and the repayment period can be chosen by you. All borrowers are subject to affordability and credit checks to ensure that they are financially able to meet the loan repayments.

“We didn’t want to lose any time in seizing a market opportunity and Flender funded us within 24 hours. This is a game changer for SMEs wanting to get on with growing their businesses right away.”

Lorraine Scroope, The Hire Lab

“Flender has really helped our small business by offering backing with finance opportunities. It has greatly boosted our confidence in our growth and enhanced our belief in what we want to achieve with our brand. I would highly recommend Flender to anyone looking to scale their business. With easy to deal with staff and help along the way, they really make the whole process quick and painless. ”

Caolan Cullen, Arctic Stone
  • Secure

    Your data is protected and GDPR compliant

  • Safe

    Your data is safe and checking your eligibility for a Flender loan won't affect your credit score

  • Transparent

    Our rates and fees are clear and there are no hidden costs

Flender in the media