Line of Credit

Get a pre-approved Line of Credit for up to €250,000. It gives you access to instant working capital that you can draw down whenever you need it.

What is Line of Credit?

Funding that’s there when you need it. Instantly.

Line of Credit is a fully automated, pre-approved working capital solution, based on advancing 20% of your annual turnover, up to a limit of €250,000. Draw down funds up to the limit whenever you need it and only pay interest on the funds you use. At the end of the term, balance is paid down over a 3 month period unless the facility is extended for a further term.

Get Fundedlogo-image
More than


funds advanced to UK and Irish Companies.

Value of your annual turnover inc. VAT

You could be approved for a Line of Credit of

Funding Calculator

How Much Funding Can I Access In 24 hours?

Select the value of your annual turnover and see how much you could access along with an indicative cost.

*Figures are estimates based on a range of factors. Contact us to get a fully tailored quote

There when you need it

The peace of mind of Funding Certainty

Business changes quickly and demands on cashflow can hit at any time, especially if you are growing fast. Imagine if you could have a funding facility in place where you are pre-approved for up to €250,000 whenever you want it? You certainly can with Line of Credit. It’s funding at your fingertips.


Fast Online Process

5 Minutes to apply. If approved, 24 hours later your Line of Credit is created


You decide how much of the facility to use and when


Direct Debit repayments mean we never contact your customers

No Personal Guarantees

Unlike with bank loans, you're not personally liable

Instant Access

Once in place, you can draw down funds anytime, instantly

Peace of Mind

Funding certainty lets you plan cashflow with confidence
Eligibility Criteria

Who’s it suitable for?

Line of Credit is ideal for companies looking for instantly accessible working capital up to a limit of €250,000.

Incorporated Limited Company
Incorporated Limited Company
Trading for at least 1 year
Trading for at least 1 year
Minimum annual turnover of €250,000
Minimum annual turnover of €250,000
How It Works

Funding in
6 easy steps

Complete a funding request form and get an indicative offer. Once accepted, you'll be onboarded to our platform. A formal offer will follow and once your facility is set up, funds will be in your bank within 24 hours.

Step 1

arrow-image Apply

Complete a funding application form here

Step 2

arrow-image Connect

Connect your banking & accounting software (read-only access)

Step 3

arrow-image Offer

Within 24 hours, you’ll receive an indicative offer

Step 4

arrow-image Onboard

If you accept the offer, our team will onboard you onto the platform

Step 5

arrow-image Formal Offer

Once credit approved, we issue a facility letter & security documentation

Step 6

arrow-image Funding

When your facility is in place, funding will be in your bank account within 24 hours


Industry: Medical Equipment

“Leveraging our sales upfront gives us the certainty of funding we needed.”

Michael Casey – CEO


Read more
Industry: Waste Management

“A solution that adapts as our business expands into the future”

John O’Connor – Managing Director

CEO & Co-Founder, Kollect

Read more
Industry: Engineering and Utilities Services

“Tailored to our working capital and growth requirements”

Shane Scanlan, CFO Secto

Secto Engineering and Utilities Services

Read more


Prefer to talk to someone to see how we can give you access to an instant funding facility to make your business grow faster?

Get In Touch logo-image

Frequently Asked Questions

  • How do I get funded?

    You have 2 options to start the funding process.


    1. Contact us directly to discuss your funding requirements where one of our team can give you a quick indication as to whether we can provide a funding solution for your business. Our contact details are:


    Phone: +35315252486




    2. Complete our online digital application form here. It takes less than 5 minutes to complete. We will revert within 24 hours with an offer and once accepted, we will guide you through the onboarding process.



  • How much funding can I get from Financefair?

    We can finance single invoices from €30,000 and provide up to €50m in annual funding on the basis your company meets our eligibility criteria.


    Each company is assessed on a case by case basis so once you sign up, provide information and connect your accounting/banking accounts, we will create the best offer tailored for you.



  • How long does it take to get funding with Financefair?

    It takes as little as 5 minutes to complete an initial application process.


    Within 24 hours, a member of our team will contact you to confirm if we can provide funding to your company.


    If approved to proceed, 24 hours later, you will receive an Indicative Offer.


    If you accept the offer, we will guide you through Onboarding on the platform. Depending on how quickly you upload the required information, the entire process from application to funds transferred to your bank account can take as little as 5 working days.



  • How does the pricing work?

    We try to make our pricing as transparent and straightforward as possible. When you apply for funding, we will send you an Indicative Offer that sets out the pricing clearly and in plain English.  


    In most cases there will only be 3 fees applicable:

    • An Annual Platform or Facility Fee
    • A Discount or Interest Charge: payable on amounts funded or outstanding
    • A Transaction Fee or Monthly Service Fee: this is a percentage of the receivable funded or the facility approved


    Our all-in cost of funding through our Platform typically ranges from 0.75% to 1.50% per 30 days, depending on the product type, term, credit quality and a number of other factors.



  • Who qualifies for this type of funding?

    If you have a growing business based in Ireland or the UK, have annual revenues greater than €250k, are profitable or on the path to profitability and your company tax affairs are up to date, we’d love to hear from you!


    A funding application takes less than 5 minutes – apply here




  • What information do I need to share as part of the funding process?

    Most of the information we require to process your application falls into these categories:


    Business Performance

    • Read-only secure access to your company accounting and banking information so we can verify the current state of your company’s financial position
    • Business Forecasts & Budgets
    • Tax Clearance Certificate
    • Latest Statutory Financial Statements



    Validation and Identification


    In order to satisfy our obligations under ‘Know your Customer’ and Anti-Money Laundering Legislation, we will require:


    • Proof of Address & photographic ID for any Directors of the Company with a Shareholding of 25% or greater.




  • What currencies can you fund in?

    In line with our core mission to be a provider of unrestrictive funding to growing businesses, we fund in 23 different currencies which we constantly review depending on customer appetite.


    If you want a list of all the current currencies available, contact one of our team by email at



  • Who provides funding to Financefair?

    We are mainly funded by a number of large European institutional funders with billions of Euro in assets under management (AUM) who seek to deploy capital into high quality trade receivables.

  • What other forms of funding do you offer?

    Our purpose is to help companies to fund their own future, by converting their sales orders, work-in-progress, invoices and future revenues into upfront growth capital. Uniquely, we provide funding at every stage of the credit lifecycle, offering a powerful mix of solutions to help companies grow.


    Our Solutions include Selective Invoice Finance, Invoice Discounting, Revenue Based Finance and Line of Credit.



  • Why choose Financefair?

    Financefair has been in operation since 2015 and provided more than €1.7bn to scaling companies in Ireland and the UK. We’ve provided the funding to help some now very successful companies get to the next level, while also helping them avoid giving up equity, as they scale domestically and internationally.  


    We can tailor funding solutions for your business when others can’t. We make this possible by not only basing our decisions on real time accounting and banking data but also by speaking to you to understand your business.  


    Here are some of the features of our funding that sets us apart from other funders:

    • Flexible funding limits: as you grow so can your limits
    • No restrictive debtor concentration limits: important for your business if you have a small number of key customers
    • No geographic limits: you can trade international receivables
    • No personal guarantees
    • Multi-product: we have multiple products that we can offer for scaling companies
    • Transparency: no hidden fees or costs


    Take a look at our Customer Stories section and see how companies like yours have unlocked growth capital with Financefair.