Capitalflow
Capitalflow is an Irish Central Bank-regulated non-bank lender providing secured property, asset, bridging, Buy-to-Let and motor finance to SMEs, property investors and dealers, backed by digital bank bunq.
- Company typePrivate
- Founded2016
- HeadquartersDublin, Ireland
- Headcount51–100
- GTM typeB2B
- OfferingServices
What Capitalflow does
Capitalflow Group DAC is an Irish specialist non-bank business lender founded in 2016 and headquartered in Dublin, regulated by the Central Bank of Ireland under a Retail Credit Licence and operating as part of the Dutch digital bank bunq group. The company extends secured credit to Irish SMEs, property investors, sole traders and motor dealers across four core product verticals: property finance (commercial property loans, bridging finance up to 80% LTV, pension-backed property loans, and the newly launched Buy-to-Let mortgage), asset finance (hire purchase and finance lease for equipment and vehicles), motor finance (dealer and personal), and energy-efficiency lending distributed under the SBCI scheme. Since founding, Capitalflow has advanced over €2.3bn in the Irish market and currently manages a diversified lending portfolio of approximately €1.2bn.
The business operates a dual-track go-to-market combining direct relationship-led sales through an internal team of relationship managers and regional sales directors with an indirect broker/intermediary channel supported by a proprietary digital broker portal (real-time application tracking, document management, automated AML collection, DocuSign-based electronic contracting). The Buy-to-Let mortgage is broker-only, distributed through a select panel of 18 approved brokers; other products are available both directly and via brokers/dealers. Revenue is generated primarily through interest income on outstanding loan principal, supplemented by arrangement fees and rolled-up interest on bridging products, with published BTL sample rates ranging from 4.8% (2-year fixed) to 4.9% (variable) and loan sizes from €100,000 to €5 million.
Capitalflow differentiates on speed (48–72 hour initial credit decisions, same-day for morning broker submissions), flexibility on deal structure (SPVs, interest-only periods, complex or non-standard cases, short trading histories), and direct decision-maker access — positioning itself against pillar banks for the segment of Irish SMEs and investors underserved by traditional lenders. The technology stack is digitisation-led (portal, DocuSign, Zoho, Mailchimp) rather than AI-led, and the company's competitive moat is primarily capital-backed (bunq funding) and distribution-backed (broker panel and sector specialist RM team).
Capitalflow firmographics
Firmographics- Name
- Capitalflow
- Legal name
- Capitalflow Group DAC
- Website
- https://capitalflow.ie
- Company type
- Private
- Founded year
- 2016
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Capitalflow is an Irish Central Bank-regulated non-bank lender providing secured property, asset, bridging, Buy-to-Let and motor finance to SMEs, property investors and dealers, backed by digital bank bunq.
- Ownership category
- akta.pro rank
Capitalflow industry classification
Industry- Product category
- SME Commercial Lending
- NAICS
- Real Estate Credit (522292), Sales Financing (52222)
- SIC
- Mortgage Bankers & Loan Correspondents (6162), Short-Term Business Credit Institutions (6153), Miscellaneous Business Credit Institution (6159)
- akta.pro primary industry
- Private Credit / Direct Lending (FSAAAHAG)
Keywords
Where Capitalflow is headquartered
LocationHeadquarters
- HQ city
- Dublin
- HQ country
- Ireland
- HQ region
- Europe
Offices2 records
Markets served
Capitalflow business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Others
Revenue model
- Business Lending — Interest Income: Capitalflow earns interest income on its lending portfolio by providing secured loans to SMEs, property investors, and motor dealers. Loans are structured as commercial property finance, bridging finance, asset finance (hire purchase and finance lease), and Buy-to-Let mortgages. Revenue is generated through interest payments on the outstanding loan principal over the loan term.
- Asset Finance — Hire Purchase and Finance Lease: Capitalflow provides hire purchase agreements where ownership passes to the customer at the end of the term for a nominal sum, and finance leases where the asset is rented over the lease term with VAT collected on each rental payment. Revenue includes the interest/carrying cost and arrangement fees.
- Bridging Finance — Short-Term Lending: Capitalflow offers bridging loans with terms of 3 to 24 months, providing short-term funding for property purchases, refinancing, or refurbishment. Revenue is generated through arrangement fees and rolled-up interest. LTV ratios of up to 80% apply for loans of €5 million or less.
- Buy-to-Let Mortgages: Capitalflow entered the €6.6bn Irish Buy-to-Let market in April 2026 with a broker-led BTL mortgage product targeting experienced landlords and SPV investors. Revenue is generated through mortgage interest income on loan sizes from €100,000 to €5 million per property, with sample rates from 4.8% (2-year fixed) to 4.9% (variable).
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Monthly | Buy-to-Let Fixed and Variable Rates by LTV |
| Transaction based/ take rate | Monthly | Commercial Property Finance — Rates vary by property type, LTV and rental income |
| Transaction based/ take rate | Pay-as-you-go | Bridging Finance — Short-term property loans up to 80% LTV |
| Transaction based/ take rate | Monthly | Asset Finance — Hire Purchase and Finance Lease |
Go-to-market motion3 records
Distribution channels3 records
Marketing channels6 records
Capitalflow product offering
Product offeringCore offering
Capitalflow is a specialist non-bank business lender providing secured loans to Irish SMEs, property investors, and motor dealers. Its lending portfolio is organised into three verticals: Property Finance (commercial property loans, bridging loans, pension-backed property loans, and Buy-to-Let mortgages), Asset Finance (hire purchase and finance leasing for equipment and vehicles), and Motor Finance (dealer and personal motor). The company operates a technology-enabled lending platform combining a secure broker portal, digital application and AML workflows, DocuSign contracting, and relationship-led underwriting delivering 48–72 hour credit decisions.
Product overview
Capitalflow is a specialist non-bank business lender offering a unified portfolio of lending products organized into three core verticals: Property Finance, Asset Finance, and Motor Finance. The Property Finance division encompasses Commercial Property Loans, Bridging Loans, Pension Backed Property Loans, and the newly launched Buy-to-Let Mortgages. Asset Finance includes Hire Purchase, Finance Leasing, and Refinance products for equipment and vehicles. Motor Finance covers both dealer and personal motor financing. The company operates exclusively through brokers and direct relationship managers, supported by a proprietary digital broker portal for application submission, document handling, and real-time tracking. All products share a common assessment approach focused on the underlying asset, business financials, and repayment capacity, with flexible structuring tailored to customer circumstances.
Differentiator
Problem solved
Functional benefit
Products and services
- Property Finance Long-term loans secured against commercial, retail, industrial, buy-to-let, licensed premises, and mixed-use properties for acquisition, refinance, or portfolio growth. Repayments are structured to align with the asset and overall strategy. Target customers are Irish SMEs, property investors, and SPVs.
- Commercial Property Loans Loans for commercial property acquisition and investment, typically structured for limited companies, SPVs, or established investors with terms aligned to the asset lifecycle. Maximum LTV of 75% of purchase price or red book valuation; minimum loan €250,000; maximum term up to 7 years. Rates are quote-based and vary by property type, LTV, and rental income.
- Bridging Loans Short-term funding typically ranging from 3 to 24 months designed for time-critical property purchases, refinancing, or refurbishment projects where speed and execution are primary values. LTV up to 80% for loans of €5 million or less; arrangement and legal fees apply; interest roll-up options available.
- Pension Backed Property Loans Specialist lending solutions allowing pension funds to finance property investments, with terms and eligibility based on pension details including contribution, fund valuation, and Revenue-approved trustees. Targets pension investors seeking property exposure.
- Buy-to-Let Mortgages Broker-led mortgage product for experienced landlords and property investors purchasing or refinancing residential investment properties in Ireland. Available to individuals and SPV companies with loan sizes from €100,000 to €5 million per property, up to 70% LTV, terms up to 30 years, and up to five-year interest-only options. Distributed exclusively through approved brokers.
- Asset Finance Financing solutions for business equipment, vehicles, and machinery, including hire purchase, finance leasing, and refinance options structured around the life of the asset. Target customers are SMEs and sole traders across sectors such as construction, transport, agriculture, and light commercial vehicles.
- Hire Purchase Asset finance product where customers repay in installments via a simple payment plan tailored to suit budget and cashflow. At the end of the agreed repayment term, ownership passes for a nominal sum. VAT charged on full purchase price upfront.
- Finance Leasing A finance lease works as a rental agreement where Capitalflow purchases the asset and rents it to the customer over the duration of the lease contract. At the end of the lease, ownership can be taken for a nominal payment. VAT charged on advance rental and all regular rental payments.
- Motor Finance Financing solutions for motor dealers and personal motor customers, including dealership finance and personal motor finance products. Distributed through dealer/supplier network and direct to consumers.
- Motor Dealer Finance Finance solutions for motor dealers to support their inventory and business operations. Targets motor dealers and dealership networks seeking inventory and floorplan financing.
- Personal Motor Finance Financing options for personal motor vehicle purchases, available through the personal motor customer channel. Targets individual consumers purchasing vehicles.
- Energy Efficiency Loans (SBCI EELS) Lower-cost business loans for Irish SMEs investing in energy efficiency projects, supported by the Strategic Banking Corporation of Ireland's (SBCI) Energy Efficiency Loan Scheme. Capitalflow on-lends SBCI's funding to eligible SMEs for Triple E Registered energy-efficient equipment and sustainability investments.
Quantifiable outcome
- Over €2.2bn in business lending advanced in the Irish market since founding
- +6 more outcomes
Companies that use Capitalflow
Customer profileNamed customers8 records
Segments5 records
Ideal customer profiles4 records
Capitalflow technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
Feature3 records
Capitalflow partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Approved Buy-to-Let Broker PanelcoreCapitalflow's Buy-to-Let mortgage is distributed exclusively through a select panel of approved mortgage brokers including Affinity Advisors, Carty Cullen, Chrome Capital, DNG Financial Services, EDUC Mortgages, Engage Financial Services, Finance One, Finance Solutions, First Choice Financial Services, Irish Mortgage Brokers, Money Maximising Advisors, Mortgage Line, Nova Mortgages, Now Mortgages, SYS Mortgages, Ulysses Financial Services, Vision Financial, and Which Mortgage. Brokers submit applications through the digital portal and manage the client relationship.
Scale indicators7 records
Recent moves8 records
Expansion highlights5 records
Capitalflow competitors and assessment
Company assessmentBroad incumbents
- AIB (Allied Irish Banks): Ireland's largest pillar retail bank, dominant in commercial property lending, SME banking, and mortgages. Broad incumbent where Capitalflow's specialist focus and speed target the customer segments AIB underwrites less aggressively.
- Bank of Ireland: One of Ireland's two pillar retail banks offering SME lending, commercial property finance, mortgages, and asset finance. Broad incumbent competitor that Capitalflow disrupts with faster decisions and flexible structures for SMEs underserved by traditional banking.
- Permanent TSB: Irish challenger retail bank active in residential mortgages and BTL through its broker channel. Competes with Capitalflow on BTL mortgages and represents a broader incumbent in the Irish mortgage market.
Emerging players
- Shawbrook Bank: UK specialist challenger bank offering SME lending, commercial mortgages, and asset finance. Comparable business model to Capitalflow as a specialist non-bank lender targeting underserved SME segments.
- Paragon Bank: UK specialist challenger bank focused on commercial mortgages, asset finance, and development lending. Comparable business model to Capitalflow in the specialist non-bank lending space, though UK-focused rather than Irish.
- DLL (De Lage Landen): Global vendor finance and asset finance provider (Rabobank subsidiary) active in equipment, vehicle, and technology financing across multiple markets. Comparable to Capitalflow's asset finance vertical in product offering and target customer.
Direct peers
- Finance Ireland: Ireland's largest competing non-bank lender, offering SME loans, asset finance, mortgages, and BTL products. Directly comparable specialist lender operating in the same Irish market with overlapping customer segments and similar non-bank challenger positioning.
- Avant Money: Irish non-bank lender (formerly Avantcard) providing mortgages, BTL, and personal loans. Direct peer competing with Capitalflow in the Irish BTL and mortgage market, backed by Spanish bank Bankinter.
- ICS Mortgages: Irish mortgage and BTL lender (Bank of Ireland subsidiary) operating a broker-led model in the Irish residential and investment property market. Directly comparable on BTL product distribution and customer targeting.
Regional players
- Haven Mortgages: Irish mortgage broker-led lender offering residential and BTL mortgages through intermediary channels. Direct competitor in the broker-distributed Irish BTL market that Capitalflow entered in April 2026.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights7 records
Customer concentration
Capitalflow social profiles
Digital presenceCapitalflow compliance and trust
Trust signalCompliance3 records
Capitalflow financial estimates
Financial estimateRevenue estimate
Valuation estimate
Capitalflow leadership team
Management profileNumber of profiles
Profiles18 records
Capitalflow funding detail
Funding detailFunding overview
Funding rounds1 record
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Capitalflow M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Capitalflow
What does Capitalflow do?
Capitalflow is a specialist non-bank business lender providing secured loans to Irish SMEs, property investors, and motor dealers. Its lending portfolio is organised into three verticals: Property Finance (commercial property loans, bridging loans, pension-backed property loans, and Buy-to-Let mortgages), Asset Finance (hire purchase and finance leasing for equipment and vehicles), and Motor Finance (dealer and personal motor). The company operates a technology-enabled lending platform combining a secure broker portal, digital application and AML workflows, DocuSign contracting, and relationship-led underwriting delivering 48–72 hour credit decisions.
Is Capitalflow a public or private company?
Capitalflow is a private company. It is classified as corporate owned and is currently operating.
When was Capitalflow founded?
Capitalflow was founded in 2016. It employs 51 to 100 people.
Where is Capitalflow based?
Capitalflow is headquartered in Dublin, Ireland, in the Europe region.
How does Capitalflow make money?
Four revenue lines are on record. Business Lending — Interest Income is the primary driver. The others are asset Finance — Hire Purchase and Finance Lease, bridging Finance — Short-Term Lending and buy-to-Let Mortgages.
Who are Capitalflow's main competitors?
Broad incumbents on record are AIB (Allied Irish Banks), Bank of Ireland and Permanent TSB. Emerging players are Shawbrook Bank, Paragon Bank and DLL (De Lage Landen). Direct peers are Finance Ireland, Avant Money and ICS Mortgages. Haven Mortgages is listed as a regional player.
Does Capitalflow have an API?
No public API is recorded for Capitalflow.
What industry is Capitalflow in?
Capitalflow's product category is SME Commercial Lending. Its primary akta.pro industry code is FSAAAHAG, Private Credit / Direct Lending. Its NAICS code is 522292 and its SIC code is 6162.