Motor Finance
WE get it
Whether you’re buying or selling sports cars or second-hand vehicles, compacts or crossovers, you need simple, transparent finance that lets you focus on the road ahead.
No Slow Nos - Digital Ease - Trusted Expertise
First find the right finance
From assisting sales through HP and Leasing finance to funding your expansion plans with equipment or commercial lending, there’s many ways we can support your dealership.
Just let us know your plans and we’ll plan the finance to make it happen.
Get Started With a Quick Quote
STEPHEN MURPHY, O’REGAN MOTORS LIMITED
"With Capitalflow I can tease out a deal for a customer, whereas its black and white, yes or no with other providers. They go above and beyond, always looking for ways to do a deal!”Partnership Stories
The Numbers
Market Leaders
#1
Specialist business lender in Ireland
10+
Years Lending to Irish SMEs
+€2B
in Business Lending
25k
Advances to Date
Want to speak to our Motor Finance Expert?
How Our Rates Work
We don’t do set rates. We do fair ones.
Every business is different, so we look at your set up before agreeing what works best for you.
Typical Example:
This is a Hire Purchase Agreement as defined by the Consumer Credit Act 1995. Lending terms and conditions apply. Applicants must be 18 years of age or over. A joint hirer may be required. Calls may be recorded. Example: New / Used Vehicle: Typical APR 9.9% Fixed (subject to change). Cash Price €22,250. Deposit / Trade In €2,250. Finance Amount €20,000. 48 Monthly Installments of €499.51. Total Cost of Credit €4,126.48. Documentation Fee of €75 and Completion Fee of €75 applies. A minimum deposit of 10% may be required. (For any finance amount less than €10,000 or any term shorter than 36 months, the Typical APR may vary – please contact our office for exact quote)
Warning: You will not own these goods until the final payment is made.
Warning: You may have to pay charges if you pay off a hire-purchase agreement early.
Warning: If you do not meet the repayments on your hire purchase agreement , your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit or a hire-purchase agreement in the future.
When a Motor Dealer or Finance Broker arranges finance as a Credit Intermediary, Capitalflow can pay a commission fee to the Motor Dealer or Finance Broker. Before you proceed with a finance agreement you can ask the Intermediary for details of their commission arrangements and the amount they can receive from Capitalflow for arranging your finance.
Under Section 148(e) of the Consumer Credit Act 1995 it is a requirement for a Credit Intermediary to disclose to Consumers, in writing before entering into a finance agreement, that commission is payable. Any commission amount will be included in your quote document and your finance agreement. You should read the documents carefully.
The amount of commission can vary taking into account our agreement with the credit intermediary, the term and the amount financed.
The amount of commission payable by Capitalflow depends on the agreement that we have in place with the credit intermediary. We either pay a Fixed percentage of the amount financed or a fixed monetary amount.
| Finance Amount | Term (Months) | Typical Commission Received % * | Typical Commission Received € |
| €18,000 | 36 | 2.5% | €450 |
| €18,000 | 60 | 2.5% | €450 |
All charges, fees and commission are included in the Annual Percentage Rate (APR) that is applied to your finance agreement with Capitalflow. Commission forms a part of the total cost of the finance agreement to you. The payment is made to the credit intermediary as a one-off payment, shortly after your finance agreement has been put in place.
We’ve been there
Whatever make and model of vehicle you’re selling and whatever type of customer you’re selling to…
We’ve financed the lot.
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