Capitalflow has emerged over the last number of years as one of the key sources of SME finance for Irish Business Owners and Property Investors and is now a market leader in providing solutions for Hire Purchase, Leasing & Equipment Finance, Commercial Property Finance, and Invoice Finance.

Following 7 successful growth years since 2015, Capitalflow’s leasing business, led by Ronan Kelly, offers competitive business finance through a team of highly experienced lenders who have a deep understanding of their customers’ needs across many sectors including Construction, Transport, Retail, Hospitality, Services, Manufacturing, Agri and Commercial Property Investment.

Capitalflow offers nationwide coverage through its relationship managers, dealer, brokers and partners and has seen a substantive growth of over 50% in its team, over the last 18 months.

Kelly says, “2022 was a very strong year for our business and our customers. We have supported more new customers through 2022 than ever before, despite inflationary pressures and headwinds in the market, leading to a growth of 60% in new business lending.”

Easy to deal with

Capitalflow has built its reputation in the market by being an easy organisation to deal with. “We put people first in our organisation – be it our team or our customers. This is the reputation that we have built our business on – offering a personal service, supported by digital tools and quick decisioning.” says Kelly.
“The goal for us is to deliver funding directly to our growing customer base efficiently – making finance simple and putting the needs of our customers first so that they can achieve their business goals.”

The Plant and Machinery Industry is a key sector for Capitalflow, and supporting the wide array of construction-related SME’s across Ireland, has been pivotal to both Capitalflow and our customers. Capitalflow is also a proud member of the Irish Plant Contractors Association (IPCA) which enables us to keep close to the other members across the industry and listening to their needs in order to support and enable their business growth”.

Capitalflow will once again be title sponsor for CQMS 2023 for the industry’s largest and most attended event in Molloy’s Quarry in Tullamore in April this year. The support of the construction sector to Capitalflow has seen exponential growth for us and we continue to work to be more flexible in approach than our competitors and making it simple for the sector to access finance” says Kelly.

Leasing Finance

Capitalflow’s most popular product for the purchase of assets is Leasing Finance, allowing customers the flexibility to finance assets over 1 to 5 years. These assets can be either new or used and we will look at re-financing existing assets to release equity to help SME’s with other capital purchases or cash-flow.

In July 2021, Capitalflow was acquired by Dutch based bunq, a fully licenced European Bank offering a digital banking service to individuals and small business. The bunq acquisition was a key moment for Capitalflow, enabling it to continue scaling in the Irish market; with the benefit of the bank’s access to low-cost liquidity.
Kelly says, “With bunq, Capitalflow continues to scale by offering competitive business finance; at a time when many other market lenders are either exiting the market or struggling with the increased funding costs driven by recent inflationary pressures.”

The team also launched their Partnership Programme last year, setting aside €200m in funding, designed to drive greater opportunity for Capitalflow’s Partners – dealers, suppliers, business introducers – to help them grow their businesses and support their customer bases, by making fast simple finance readily available to them via our dedicated online partner portal.

Kelly says, “If you’re an SME or Sole trader or a supplier of assets and trying to navigate financing options – just call us – or go to our website – we’d be delighted to talk to you.”

Capitalflow – Phone 01-5632400
Website –

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