US Tariffs: Why Now’s the Time to Strengthen Your Working Capital 2025

With recent headlines dominated by new 20% US Tariffs on EU imports, many Irish businesses are wondering what impact — if any — this could have on them. While Ireland’s economy remains strong and many key sectors have avoided immediate disruption, these global shifts serve as a timely reminder: it’s better to have an umbrella before it starts to rain.

At Vendor Finance, we believe that now is the right time for businesses to review their financial position — not out of panic, but out of preparation. With the right funding in place, you can face uncertainty with confidence and protect your growth plans, your supply chain, and your cash flow.

A Measured Economic Risk – But Still a Risk

Although the 20% tariffs are significant, key Irish exports like pharmaceuticals have, for now, avoided direct impact. The government has acted quickly, reassuring the market that it holds a €16 billion reserve to cushion potential shocks. Still, there’s no denying that higher costs and supply chain challenges could affect sectors such as food, agriculture, manufacturing, and transport over time.

As always, the businesses that stay one step ahead will be the ones that navigate turbulence best.

Why Strengthening Working Capital Matters Now

During times of economic uncertainty, access to working capital becomes more important than ever. Whether it’s stockpiling inventory, covering a slowdown in payments, managing energy price fluctuations, or simply preserving day-to-day operations — having cash reserves can be the difference between reacting to change and leading through it.

This is where Vendor Finance can help. We offer tailored business loans and refinance options that allow you to release cash from existing assets, consolidate high-interest debt, or access new funding — all without disrupting your operations.

Be Proactive, Not Reactive

Here’s the truth: the best time to raise funding is before you need it. We often liken it to carrying an umbrella — it may feel unnecessary while the sun is shining, but once the clouds appear, you’ll be glad it’s in your hand.

By acting now, you can:

• Secure a financial buffer before conditions tighten
• Free up cash for investment or contingency planning
• Improve your debt profile with a structured refinance solution
• Protect jobs and supply chains by staying liquid and flexible

Flexible Finance Built Around You

Every business is different. That’s why our team works closely with each client to understand their cash flow, goals, and challenges — and build a funding solution that’s right for them. Whether you’re a small family-run enterprise or a larger commercial operator, we can help you strengthen your financial foundations.

Let’s Talk

You may not be directly impacted by U.S. tariffs, but global market changes are a fact of life. Building resilience today will give you the confidence to make smart decisions tomorrow.

If you’d like to explore a working capital loan, refinance your existing agreements, or simply talk through your options, our team at Vendor Finance is here to help.

📞 Call us today or request a callback through vendorfinance.ie