Finance for Business

We want to make it even easier for you to manage and grow your business.

Whether you're purchasing stock or need to expand your business, we're here to help you every step of the way.

Business Loans up to €120,000

Thumbnail of Business Loans up to €120,000

We can help with your financial requirements and support your plans to grow or diversify your business.

Features

  • Competitive interest rates
  • Flexible repayment terms
  • No arrangement fee

Benefits

  • Apply online in minutes1
  • Loans from €1,000 to €120,000
  • Fixed repayment options

Business Loans from €120,000 – €500,000

Thumbnail of Business Loans from €120,000 – €500,000

We understand that through various life stages of your business that you may need help financially.

Features

  • Competitive interest rates
  • Flexible repayment terms
  • No arrangement fee

Benefits

  • Dedicated Business Managers
  • Loans from €120,000 to €500,000
  • Fixed repayment options

Farm Loans

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We understand that you may need to invest in your farm today, so that you can reap the rewards of that investment in the future.

Features

  • Competitive Interest Rates
  • Flexible repayment terms
  • No arrangement fee

Benefits

  • Apply online in minutes1
  • Loans from €1,000 to €120,000
  • Fixed repayment options

Business Overdraft

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An overdraft facility is the most frequently used source of short term finance. It is a flexible source of funding and is an ideal way to manage your cashflow.

Features

  • Competitive interest rates
  • A limit that suits your business
  • Overdraft term 12 months

Benefits

  • Apply online in minutes1
  • Borrow from €1,000
  • Flexible source of funding

SBCI Energy Efficiency Loan Scheme

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The Energy Efficiency Loan Scheme is designed to help Irish businesses to invest in energy efficient assets that will improve their energy efficiency and support the national objective of reducing carbon emissions.

Features

  • Finance from €10k to €150k
  • Broad range of assets covered
  • Finance terms from 1 to 10 years

Benefits

  • Fixed interest rate finance
  • Energy efficiency investment
  • Best in class assets

Ukraine Credit Guarantee Scheme

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The Ukraine Credit Guarantee Scheme (UCGS) is designed to fund working capital and investments for business impacted by additional costs due to the conflict in Ukraine.

Features

  • Loans from €10k-€1m
  • Unsecured loans from €10k-€500k
  • Loan terms 3 months to 6 years

Benefits

  • Interest only option
  • Variable interest rate loans
  • Fund working capital/investment

Green Business Loan

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Offering discounted finance to businesses who want to implement energy-saving initiatives in order to reduce their carbon footprint and their costs.

Features

  • Variable interest rates2
  • Terms between 3 and 7 years
  • Flexible repayment terms

Benefits

  • Borrow from €5k to €300k
  • To fund energy saving projects
  • No arrangement fee

Insurance Premium Finance

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Spread the cost of your company’s insurance premiums into manageable monthly repayments.

Features

  • Spreads the cost of Insurance
  • Finance terms from 6 – 11 months

Benefits

  • Easy to arrange
  • Frees up working capital
  • Fixed monthly repayments

Asset Finance** – Hire Purchase and Leasing

Thumbnail of Asset Finance** – Hire Purchase and Leasing

Let us help you upgrade your business with equipment, machinery or vehicles with finance available from €7,000

Hire Purchase Features

  • Straightforward finance facility
  • Rental Payments are fixed
  • Competitive rates

Leasing Features

  • 100% finance available
  • Rental Payments are fixed
  • Competitive rates

Invoice Finance

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Invoice financing solutions enables your business to raise working capital by converting trade debt upfront into cash.

Features

  • Release tied up funds
  • Enhance your credit standing

Benefits

  • Multicurrency facilities
  • Easy & efficient administration

 

 

Level of security required and rate applicable, will be determined by the amount, purpose & term of facility, in conjunction with the nature and value of the security being offered. Lending criteria, terms and conditions apply. Over 18s only. Maximum credit of €120,000 available for online applications and over the phone. For amounts greater than €120,000, contact your Relationship Manager or local branch.
**Lending criteria and terms and conditions apply. Finance is provided by way of a fixed rate business hire purchase and or business lease agreement. In the case of Hire Purchase or leasing, ownership remains with Bank of Ireland until the final payment is made. The credit provider is Bank of Ireland trading as Bank of Ireland Finance.
1

For business loan applications completed online the average journey time takes 15 minutes. Bank of Ireland use automated decision making to process both online and phone applications. If you don’t agree with the result, you can contact us and have those decisions reviewed by a member of our team.

2

The interest rates quoted include a discount of 0.5% off the margin that the Bank applies to the Small Business Agri Rate for loans up to a maximum of €300,000.

Ways we can help