Ireland's SME Lending Marketplace
Where Irish businesses get competing loan offers
Upload your documents. We extract your financial profile. Lenders compete for your business. Up to 50% cheaper than traditional brokers.
The most transparent way for Irish SMEs to find the cheapest, most suitable loan — and for lenders to reach their preferred borrowers directly.
beesnees replaces the traditional broker with a transparent marketplace where borrowers and lenders connect directly on equal terms.
Borrowers upload a bank statement or accounts. Our AI reads them and builds a verified financial profile automatically — no lengthy forms.
Your anonymised loan profile — including DSCR, cash balances, and inflows — is published to the marketplace. Your identity stays private.
Registered lenders review profiles and submit competing offers with their best rate, term, and fee. You see everything — APR, monthly cost, total cost.
Accept the offer that suits you best. No pressure, no broker nudging you towards a preferred product. The best deal wins on merit.
Whether you're borrowing or lending, beesnees puts you in control of the deal.
Stop going cap in hand to your bank. Put your financials on the market and let lenders come to you with their best offer.
Access a pipeline of pre-qualified, document-verified SME borrowers — without paying broker introducers for every deal.
From pillar banks and SBCI-backed schemes to fintechs and revenue-based lenders — beesnees covers the full spectrum.
Current rates from Ireland's major banks and alternative lenders. No login required — create a profile to receive competing offers.
| Lender | Product | Rate | APR | Fee | Amount | Term | Decision |
|---|
Rates as of April 2026. Always verify directly with lenders before applying.
The Irish SME lending market is inefficient. Borrowers overpay because they don't shop around. Lenders overpay because broker relationships are the only origination channel. beesnees fixes both problems at once.
Every offer shows the full cost of credit — rate, fee, APR, and total repayment. No hidden charges, no rate switching after approval.
beesnees never takes commission from lenders to promote their products. The best rate wins, not the biggest referral fee.
AI-powered document extraction means lenders see verified financial data, not self-reported figures. Better data means better decisions for everyone.
Create a free loan profile in under 2 minutes. Let Ireland's lenders compete for your business — or join as a lender and access a verified pipeline of SME borrowers today.
Upload your documents. We extract your financial profile. Lenders compete for your business. Up to 50% cheaper than traditional brokers.
Rates as of April 2026. Always verify directly with lenders before applying.
| Lender | Product | Rate | APR (est.) | Fee | Amount | Term | Security | Decision |
|---|
Ranked monthly costs with fee-adjusted APR and estimated IRR
Convert any rate to true APR — including factor rates and short-term lending. Enter months for short-term cost clarity.
EU funds via partner banks. Check SBCI eligibility first — saves 1–2% on your rate.
Upload your bank statement and accounts. AI extracts your financial profile automatically — no manual data entry needed.
Repayments flex with daily card revenues. Ideal for retail and hospitality with variable cashflow.
Faster decisions, less paperwork. Capitalflow and GRID Finance can decide in 24–48 hours.
Energy upgrades or EVs attract 0.25–0.5% rate discounts via SBCI GSLS.
Submit one profile, receive multiple competing offers. No broker fees. Lenders come to you.
Up to €3m, 7–10 years, from 3.44% via AIB (≥€250k).
From 3.63% variable (BOI, ≥€300k). Closes 30 June 2026.
Up to €50k, under 10 employees. No security required.
Upload your documents for instant extraction, or fill in manually. Your profile is anonymised until you accept an offer.
Upload your bank statement and/or management accounts. Our AI reads them and populates your loan profile automatically. Verified data builds lender confidence and speeds up offers.
Blind bidding — submit your best offer based on borrower financials. No competitor rate visibility. Click any column header to sort.
| Ref | Amount | Purpose | Sector | Term | Revenue | EBITDA | Cash bal. | High bal. | Low bal. | Mo. inflows | DSCR | Offers | Verified | Sensitivity |
|---|
Click any column header to sort. Accept the best deal for your business.
| Lender | Amount | Rate | APR (fee-adj.) | Term | Fee | Monthly | Total cost | Conditions | Status |
|---|
Compare the true annualised cost of any loan — including short-term and revenue-based finance. Enter months to see exactly what short-term lending really costs.
See how your current or proposed loan stacks up against available rates
| Lender | Rate | APR (est.) | Monthly repayment | Total interest | Total cost | vs. cheapest |
|---|
Guides, analysis and commentary on Irish SME lending — written to help business owners make better borrowing decisions.
Full platform visibility, OCR testing lab, and system controls. All test data is private and never visible to borrowers or lenders.
Test document extraction privately. Uploaded documents and results are never shared with borrowers or lenders. All test data stays within the Admin vault.
All OCR test extractions saved here. Private to Admin only. Use to compare extraction accuracy across different bank and document formats.