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Capitalflow is an Irish commercial finance provider serving SMEs, sole traders, property investors, suppliers, car dealers, brokers, and personal car finance customers. The website describes it as one of Ireland’s leading commercial lenders, with over €2.2bn in commercial lending, backed by the European bank bunq. It holds a Retail Credit Licence and is regulated by the Central Bank of Ireland.
Its products cover equipment and vehicle finance, Hire Purchase, Leasing, commercial property finance, bridging finance, term loans, refinancing, personal car Hire Purchase, and Buy-to-Let mortgages for landlords and property investors. Buy-to-Let loan sizes range from €100,000 to €5 million, with a maximum single-borrower exposure of €5 million, a maximum LTV of 70%, capital-and-interest terms of up to 30 years, and interest-only terms of up to 5 years. In terms of risk control, it discloses information such as LTV, borrower exposure, repayment structure, and credit risk warnings, but does not publish its full approval model.
Standard commercial finance does not use fixed rates. Capitalflow emphasizes that it assesses each business’s circumstances before offering a “fair” solution, so pricing transparency is limited. Buy-to-Let rates are disclosed more clearly: at up to 70% LTV, the 2-year fixed rate is 4.80%, the 3-year fixed rate is 4.85%, the 5-year fixed rate is 4.90%, and the variable rate is 4.90%. The page notes that early repayment on fixed-rate loans may incur charges, but the specific fees are not listed.
The advantages are strong vertical industry experience, with case studies covering hotels, logistics equipment, food production, vehicle operations, and more. It emphasizes fast decisions, less paperwork, and expert communication, and its regulatory credentials are also relatively complete. The drawbacks are that most products lack publicly available rates, fees, and funding timelines; Buy-to-Let is only available through approved brokers; and there is no visible API, open platform, or payment acquiring capability, so strictly speaking, it is not a payment processor.
It is suitable for businesses and investors in Ireland with needs such as equipment purchases, fleet expansion, commercial property acquisition or refinancing, and residential rental property investment. It is also suitable for brokers looking for non-traditional bank financing solutions for their clients.
The text does not provide information on availability from mainland China, so this is unknown.
⚠ This review is compiled from public sources and does not constitute a purchase recommendation. Verify all facts on the vendor's official site. Verify on capitalflow.ie official site.
capitalflow.ie is an Ireland Finance provider. TG4G tracks its product information, an overall rating of 6.0/10, and a China-accessibility score of Limited (proxy recommended). Click "Visit Official Site" to reach capitalflow.ie directly.