News

Preparing for Interest Rate Changes: How Irish SMEs Can Protect Their Borrowing Costs
At Lombard we believe that interest rates deserve a permanent place on every SME owner’s agenda, not just a glance when the headlines turn dramatic. After a long period in which borrowing costs seemed to move in on…

At Lombard we believe that payroll is one of those business functions that only attracts attention when something goes wrong, and by then the cost of the problem usually far exceeds the cost of preventing it. Paying people accurately and on time is a fundamental obligation, yet it has become steadil…

We here at Lombard believe that year-end accounts should be the calm conclusion of a well-organised year, not a stressful archaeology project. Yet for many SMEs, the annual accounts process involves weeks of hunting for missing invoices, explaining mystery transactions and answering long lists of qu…

At Lombard we believe that how a business funds its growth matters almost as much as the growth itself. Sooner or later, most ambitious SMEs reach a point where their plans exceed their cash: a larger premises, new equipment, additional staff, an acquisition or a push into new markets. At that momen…

We here at Lombard believe that one of the most important financial decisions facing any successful business owner is also one of the least discussed: what to do with the profit. Once a business begins generating surplus cash, every euro faces a choice. It can be extracted, rewarding the owner for y…

At Lombard we believe that one of the most overlooked sources of funding for Irish SMEs is not a bank, an investor or a new customer. It is the extensive network of grants and supports already available, waiting to be claimed. Every year, a significant number of Irish businesses leave money on the t…

Here is the hiring article redone with all source references removed.
Hiring in 2026: The Full Financial Cost of a New Employee Beyond the Salary
At Lombard we believe that hiring is one of the most important investments any SME will ever make, and like every investment, it deserves an honest calcul…

The Hidden Tax Cost of Poor Record Keeping: Why Revenue Penalties Are Avoidable
We here at Lombard believe that few business costs are as frustrating as the avoidable ones, and penalties for poor record keeping sit firmly in that category. Every euro paid to Revenue in fines, interest or settlement…

At Lombard we believe that the weeks before year end are among the most valuable in the entire financial calendar. This is the moment when business owners still have time to act, rather than simply record what happened. Cash flow sits at the centre of that opportunity. A business can be profitable o…

The Hidden Risks of Growing Without Regular Financial Health Checks
At Lombard we believe that growth without regular financial health checks is a little like driving faster without ever glancing at the dashboard. The journey may feel exciting, and for a while everything may appear to be going well,…