Accesscu Business Loans
Business lending from 7.4% APR: facilities to €500,000, terms of 1–10 years and a decision within three working days.
The official methodology is detailed in the main overview.
Business Loans at a Glance
- Business loans start at 7.4% APR with maximum facilities of €500,000 and repayment terms of 1–10 years.
- Eligible businesses hold annual revenue above €200,000 and 12 months of trading history — a lending decision in 3 working days.
- SBFI guarantees of up to 70% via the Strategic Banking Corporation of Ireland are available on qualifying facilities.
- Fixed monthly repayments, no application or drawdown fees, and a dedicated business desk at +353 1 555 0123.
Business Loan Rates and Terms
Accesscu business loans start at 7.4% APR for facilities up to €500,000, with fixed monthly repayments over 1–10 years and no application fee.
The APR is the total cost — rate, fees and any setup charges combined — and it's fixed at drawdown, so your repayment never changes for the life of the loan.
The table shows example repayments per €10,000 borrowed at the current 7.4% fixed APR.
| Term | APR from | Repayment per €10,000 |
|---|---|---|
| 1 year | 7.4% | €868/month |
| 3 years | 7.4% | €311/month |
| 5 years | 7.4% | €200/month |
| 10 years | 7.4% | €118/month |
Who Can Apply
You qualify for an Accesscu business loan if your business is registered in Ireland, trades 12 months or more, and has annual revenue of at least €200,000.
Applications are underwritten on actuals, not forecasts, which is why the revenue figure is the hard gate and everything else is documented evidence.
- Company registered in Ireland
- Annual revenue above €200,000 over the last 12 months
- At least 12 months of trading history
- Last two years of accounts or tax returns for review
- Facility capped at €500,000 per borrower
We needed €240,000 for new equipment and a fit-out. The whole thing was signed from the phone: revenue check, 3-day decision, drawdown in 9 days. Our bank quoted six weeks at 8.9% APR — Accesscu fixed it at 7.4%.
As a €600k-revenue café group we had zero cash collateral but steady turnover. The SBFI guarantee meant no personal guarantee requirement, and the 10-year term keeps our monthly repayment under €1,000.
A Loan Decision in 3 Days
Accesscu returns a business lending decision within 3 working days of a complete application, with funds typically drawn 7–10 days after signing.
We say this with schedules attached: the guarantee covers a complete application — accounts, bank statements and director ID submitted together via the app.
- Apply online
Upload two years of accounts, six months of business checking statements and director ID.
- Underwriting
A credit underwriter (not a bot) reviews the package — decision within 3 working days.
- Term sheet
Sign the offer in-app; there is no application fee and no non-refundable setup charge.
- Drawdown
Funds land in your Accesscu business checking 7–10 days after signing.
SBFI Guarantee Availability
Qualifying SME facilities can carry a Strategic Banking Corporation of Ireland guarantee of up to 70%, which can reduce collateral requirements and improve the rate offered.
Through the SBFI scheme, Accesscu can offer guarantee-backed facilities for working capital, equipment and expansion to SMEs, with the guarantee covering up to 70% of the facility on a separate balance sheet from the loan.
Guarantee availability depends on sector, size and the purpose of the loan — usually this means the family home stays out of the security for eligible borrowers.
Costs and Fees
The 7.4% APR is the full cost of borrowing: no application fee, no drawdown fee and no charge for settling early after 12 months of the term.
Term deposits, savings or property can be offered as security, which can reduce the rate below the headline figure; but any security you offer must come from the business or owners, never from a personal non-business source without disclosed consent.
- What APR do Accesscu business loans start at?
- 7.4% APR fixed for the term of the loan, and the APR includes all fees — there is no application or drawdown charge.
- What is the maximum business loan Accesscu offers?
- €500,000 as a single facility, repaid over 1–10 years at a fixed 7.4% APR with no security discount required for qualifying borrowers.
- How quickly will I get a decision and the money?
- A decision within 3 working days of a complete application, with drawdown 7–10 days after the offer is signed.
- What are the eligibility requirements for a business loan?
- An Irish-registered business with 12 months of trading history, annual revenue above €200,000 and two years of accounts available for review.
- Does Accesscu offer SBFI-guaranteed loans?
- Yes — qualifying SMEs can carry a Strategic Banking Corporation of Ireland guarantee of up to 70%, which can lower collateral needs and improve pricing.
This method does NOT apply to companies under €200,000 in annual revenue, which use the starter loan path.
Sample size was limited to 1,600 applications from 2023-2025, so sector-level default curves are thin for retail clients.
7.4%
APR from
€500,000
Maximum facility
3 days
Decision time
1–10 years
Repayment terms
Get a Business Lending Decision in 3 Days
Apply online with two years of accounts and receive a fixed 7.4% APR offer this week.
Apply for a Business LoanOur official methodology is detailed in the Accesscu overview.
Oversight standards for this sector are published by en.wikipedia.org.
