SME Loans


Woohoo Pay has plenty of lenders willing to fund a business loan for SMEs. These lenders support businesses they believe in, understand and want to see succeed.

We’ve supported over 600 businesses access working capital loans, stocking loans and loans for growing their businesses in the last two years, lending over €30m into the Irish economy.Why not join them and feel the difference working with us?

Our business loans offer a fast, fair and affordable alternative for financing your plans to run and grow. You can apply for your loan online in minutes.

Easy to apply
24 hour decision
Fast drawdown

Finance for every business need

Working Capital
Stocking Loans
Automotive Loans
New Equipment
Safety measures
New employees

Ireland’s Newest Peer to peer business Lender

Woohoo Pay was set up with the purpose of giving SMEs an alternative, faster way to access finance. From 2021, we are providing business loans to hundreds of ambitious SMEs across the country.

  • 1,690 SMEs that have benefitted from business finance.
  • 2,690 Registered members of our P2P investment community.
  • €102,731 Average business loan size in last 8 months.

Our Business Loan Packages

When a business opportunity presents itself, you want to move fast.

Whether you need working capital to fulfil a new contract, a short term stocking loan to meet customer demand, or finance to purchase new equipment, Woohoo Pay is here to support you realise your business goals, quick and with no hassle. 

We have a range of stocking loans, working capital loans and business growth loans to suit all circumstances.

Credit guarantee scheme

Government-supported low cost loans

6 month – 5 year terms

Loans from €10,000 – €250,000

Fixed rate from 4.75% p.a.*


Fast working capital

6 month – 3 year terms

Loans from €5000 – €300,000

Fixed rate from 6% p.a*

“Deferred start”

3 month break

3 months payment-free

12 fixed monthly repayments

Loan value up to €100,000

Fixed rate of 10.45% p.a


Flexible Stocking Loans

Typical 6-12 month terms

Loans from €5000 – €300,000

Fixed rate from 6% p.a.*


For tax bills & fees

Typical 6-12 month terms

Loans from €5000 – €300,000

Fixed rate from 6% p.a*

* The interest rate that will apply to our Credit Guarantee Scheme, Restart, Kickstart and BillPay Loans will depend on the credit grade applied based on your business circumstances, and the term required for the loan.