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Terms of Business

These Terms of Business set out how SME Finance & Leasing Solutions DAC trading as Finór Finance (“we”, “us”, or “Finór Finance”) provides finance and leasing services to its customers.

This document is drafted in accordance with the Central Bank (Supervision and Enforcement) Act 2013 (Section 48) (Consumer Protection) Regulations 2025 and the Central Bank’s SME Lending Regulations, which set standards for transparency, fairness, and customer engagement when dealing with small and medium-sized enterprises.

About Us

Finór Finance is a provider of structured finance and leasing solutions to small and medium-sized enterprises (SMEs) operating in Ireland.

Registered Address:
Clashcollaire, Callan, Co. Kilkenny, R95 XH21

Company Registration Number:
517363

Contact Details:

  • Telephone: 056 770 6551
  • Email: info@finorfinance.ie
  • Postal Address: As above

Finór Finance is a Retail Credit Firm authorised and regulated by the Central Bank of Ireland.

We are subject to the regulatory framework issued and enforced by the Central Bank of Ireland, including the SME Lending Regulations, which apply to regulated lending provided to micro, small, and medium-sized enterprises.

These regulations are designed to ensure that SME borrowers receive clear information, are treated fairly throughout the credit lifecycle, and are supported where financial difficulties arise.

Further information is available at:
https://www.centralbank.ie

 

We provide a range of finance and leasing products primarily to SME and business customers, including:

  • Leasing
  • Hire Purchase
  • Sale & Leaseback
  • Professional Fee Finance

We aim to engage with SME customers in a transparent and proportionate manner throughout the credit application, approval, and servicing process, in line with Central Bank requirements.

In accordance with the SME Lending Regulations:

  • We make information available regarding our credit application process, including the type of information we may request
  • We assess applications based on relevant financial and business information
  • Where credit is refused or withdrawn, we will provide clear reasons related to the specific application
  • SME customers have a right to appeal certain credit decisions, where applicable

These measures are intended to promote clarity, consistency, and informed decision-making for SME borrowers.

Finór Finance applies charges for its products and services as set out in our Schedule of Fees and Charges.

Charges may include administration fees, documentation fees, servicing fees, and other applicable costs agreed with you in connection with your hire purchase or leasing agreement.

More information on applicable fees is available on request or via our website.

Customers are encouraged to review all cost information carefully before entering into any agreement.

Finór Finance is committed to acting honestly, fairly, and professionally in the best interests of its customers.

We maintain a Conflicts of Interest Policy to identify, manage, and where necessary disclose any actual or potential conflicts that may arise in the course of our business activities. This includes:

  • Internal controls and monitoring
  • Staff training and awareness
  • Escalation and mitigation procedures

These measures support fair treatment of SME customers and the integrity of our decision-making processes.

If a customer experiences financial difficulty or falls into arrears, we encourage early engagement.

In line with the SME Lending Regulations, we will:

  • Make reasonable efforts to contact you where repayments fall into arrears
  • Engage with you in a timely and transparent manner
  • Consider relevant information provided by you regarding your financial position

If a default occurs and is not resolved, Finór Finance may:

  • Terminate the agreement
  • Demand repayment of outstanding amounts
  • Enforce any security or guarantees provided
  • Initiate legal proceedings where appropriate

Finór Finance is committed to providing a high standard of service. If you are dissatisfied, you have the right to make a complaint.

Complaints can be made:

  • By telephone: 056 770 6551
  • By email: info@finorfinance.ie
  • By post: Customer Services Manager, Finór Finance, Clashcollaire, Callan, Co Kilkenny R95 XH21

We will acknowledge your complaint within 5 business days and aim to resolve it as quickly as possible. Where resolution takes longer, we will provide updates and issue a final response within 40 business days.

If you are not satisfied, you may refer your complaint to:

Financial Services and Pensions Ombudsman
Lincoln House
Lincoln Place
Dublin 2, D02 VH29
https://www.fspo.ie

A full copy of our Complaints Handling Procedure is available on request.

Finór Finance processes personal data in accordance with applicable data protection legislation, including GDPR and the Data Protection Acts 1988–2018.

Full details of how we collect, use, share and protect personal data are set out in our Privacy Statement, available via our website or on request.

These Terms of Business are effective from March 2026.

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