Local businesses are the backbone of our communities in Tralee, Castleisland, Killorglin, Ballyduff, Clanmaurice and Corca Dhuibhne . We understand that every 10 spent in a local business generates more than 40 of benefit in the local community in terms of employment.

So, whatever stage your business is at, you may need a helping hand. If you do, we are here to CU through. If you are a sole trader, a partnership or a limited company, talk to us about a great value, flexible business loan.

Because like you, we’re local.

Business Loan Calculator

Current interest rate:
Monthly repayments:
Total Repayments:
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Apply by Phone 066 712 2373 (Dial 1 for Loans) or

Call in and speak to us in our Tralee, Castleisland, Killorglin, Ballyduff, Causeway or Corca Dhuibhne branches.

Benefits and features of a Cara Credit Union Business Loan:

Decisions are made locally

Our loan application process is quick and efficient

Competitive interest rates with flexible repayment terms

Interest is calculated on the reducing balance so you pay less interest with each repayment

No Fees and No Penalties if you repay your loan early

You are supporting your local Credit Union

Our Business Loans

Annual tax or insurance business loan

If you are looking for a short term loan to help with your annual tax or insurance bills, this is the loan for you.

Max Amount: 75,000

Rate: 9% Variable Business Loan Rate (9.38% APR)

Term: up to 11 months

Apply now

Cultivate Farming Loan

A Loan Specifically Designed for Farmers. Cultivate provides short to medium term loan opportunities built specifically around the growing needs of our farming members.

Max Amount:75,000

Rate: 6.55% Variable Business Loan Rate (6.75% APR)

Term: up to 10 years

Apply now

Short / Medium Term business loan

We have a great value flexible loan rate.

Max Amount:75,000


6.55% Variable Business Loan Rate (6.75% APR)

Term: up to 10 years

Apply now

Long term business loan

For longer-term requirements including property purchases, we have a competitive Longer-Term Business Loan.

Security may be required.

Min Amount: €30,000

Max Amount: €300,000

Rate: 5.5% Variable Loan Rate (5.64% APR)

Term:up to 15 years

Apply now



  • Loan term will be matched to loan purpose
  • Security may be required
  • Business plans are required for all loan requests greater than 25,000
  • Other lending criteria, terms and conditions will apply.

WARNING: The cost of your repayments may increase.

Disclaimer: The results of this loan payment calculator are for comparison purposes only. The illustration above does not constitute an offer of a loan. The results displayed by this calculator are approximate only and are not a statement of the actual repayments that will be charged on any actual loan. They will be a close approximation of actual loan repayments if available at the terms entered. This information is being provided for you to plan your next loan application.

Ukraine Credit Guarantee Scheme

Low-cost finance to fund working capital and investments for businesses, including primary producers, impacted by the economic consequences of the conflict in Ukraine.


The Ukraine Credit Guarantee Scheme (UCGS) is offered by the Department of Enterprise, Trade and Employment (DETE) to provide viable SMEs including primary producers, impacted by economic challenges arising from the conflict in Ukraine with access to low-cost finance.

The scheme supports economic activity in Ireland, facilitating the provision of working capital and medium-term investment finance to businesses adversely impacted by the conflict in Ukraine who are facing supply chain disruptions and increased input (including energy) costs.

Borrowers will contribute to the cost of the scheme by paying a risk premium on the credit advanced. This premium will be incorporated into the margin on the loan, collected by the on-lender and paid to Government of Ireland.


Information booklet for SME Borowers in Financial Difficulties

We are here to help !

Talk to our Credit Control Team by calling 066 712 2373 or email [email protected]