Prior to the economic collapse in 2008, it was generally not difficult in Ireland to raise finance from banks for the purpose of asset acquisition or business expansion.  Due to previous mistakes, all banks suffered in the meantime and have either left the market entirely or have reorganised. The surviving banks have recapitalised and are again interested in expansion and growth but not at all costs. The ground rules have changed and borrowers must present their business plans professionally and all information must be provided.  They must demonstrate adequate capacity to repay, must show adequate collateral and their business plans must be stress tested.  At Collins O’Brien, we can help you with the application and advise you throughout the process.