Retail Credit Licence to power Capitalflow’s next growth phase as lending portfolio hits new high

Ronan Horgan Capitalflow CEO 2 1 scaled 1

Capitalflow, Ireland’s largest specialist business lender, has been approved by the Central Bank of Ireland as a Retail Credit Firm. The approval of the licence allows Capitalflow to expand its product range to include consumer car finance through dealerships, buy-to-let mortgages for property investors and lending to individuals looking to invest in commercial properties, significantly enhancing its reach to a wider range of customers. 

 

The company has advanced over €2 billion in loans since 2016, currently has a loan portfolio exceeding €1 billion, and employs almost 100 people. To meet rising demand and support its long-term growth, Capitalflow plans to expand its workforce by 50% to 150 people by 2028. 

 

CEO of Capitalflow, Ronan Horgan, says: “We are delighted to be authorised by the Central Bank of Ireland as a Retail Credit firm, a major milestone that will assist us in our plans to grow Capitalflow for the foreseeable future. This licence, and the regulations, fit very well with how we approach our customers, always putting them first in everything we do. It allows us to expand our products to meet our customers’ needs. Over the last nine years we have competed with the legacy banks by providing choice to Irish businesspeople with our current products and now with this authorisation we can meet more of our customer needs.” 

 

The firm has experienced a strong performance in lending for H1 2025 and is on track to reach its new business target of €450 million in 2025, reflecting a 20% increase on 2024 figures. It plans to increase its new business lending to €700 million by 2028, with a focus on the intermediary market. 

 

Capitalflow’s ability to access competitive funding terms from its parent bank, bunq, supports its ability to grow its loan portfolio to €2 billion by 2028. With a no nonsense, down-to-earth approach to lending, Capitalflow remains committed to building a sustainable business model built on an excellent governance culture, strong focus on technology innovation and supporting the long-term success of its customers. 

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