Our History
Built on Experience
Since 2016, we’ve evolved from a local startup into a nationwide leader with over €2.3 billion in total advances.
We’re scaling the future of finance while staying true to the personal relationships that started it all.
2016 – Foundations
Capitalflow was founded to provide Irish SMEs with a finance partner that listens. Backed by Pollen Street Capital, we opened our first office and launched our initial Asset Finance and Invoice Discounting products.
2017 – Strategic Expansion
A merger with BBF Capital expanded our capabilities, allowing us to add specialist Property Finance to our growing product suite.
2018 – Rapid Growth
Named Ireland’s Fastest Growing Business Lender, we grew to a team of 50 and opened new offices in Santry and Baggot Street to support our expanding customer base.
2019 – Purpose & Partnership
We launched our ESG agenda and partnered with the SBCI to deliver a new €50m fund specifically for Irish SMEs.
2020 – Community & Resilience
During the pandemic, we focused on standing by our customers while launching new community initiatives, including GAA sponsorships and being named Best Financial Services Company.
2021 – Joining Forces With bunq
A landmark year saw us refresh our brand to “We Are With You” and join European neobank bunq, a strategic move designed to accelerate our digital growth.
2022 – Lender of the Year
Our commitment to excellence was recognised at the Irish Financial Services Awards, where Capitalflow was named Lender of the Year.
2023 – The €1 Billion Milestone
We reached 85 people and surpassed €1bn in total lending. We also continued our support for impacted businesses through the €75m Ukraine Credit Guarantee Scheme.
2024 – Digital Transformation
We unveiled the FAS Growth Plan to double our loan book, acquired the €122m Lunar mortgage book, and launched an award-winning digital platform.
2025 – Scaling to €2 Billion
Capitalflow was awarded its Retail Credit Licence and reached a major new milestone of €2bn in total advances, while continuing our global support via the Irish Red Cross.
2026 – New Horizons
We further expanded our property offering with the launch of a new broker-led Buy-to-Let mortgage product, supporting investors across the country.
grow with us
Our history is built on your success.
Partner with a lender that understands where you’ve been and where you’re headed. Reach out to our team today to get started.
