SBCI Future Growth Loan Scheme

Funding Capital Investment

Supporting SMEs including Primary Agri by providing access to low cost funding

How the SBCI Future Growth Loan Scheme works

Eligibility Check

Irish SMEs including Agri and Small Mid-Caps must satisfy eligibility checks with the SBCI before applying to Bank of Ireland for a loan under the SBCI Future Growth Loan Scheme. For a full list of eligibility criteria and how to apply, visit or call the SBCI helpdesk on 1800 804 482 to find out more.

Eligibility Confirmation

The SBCI will confirm if your application to the SBCI Future Growth Loan Scheme has been successful and will issue an Eligibility Confirmation letter once approved. Should you have any queries about the scheme eligibility, call the SBCI helpdesk on 1800 804 482.


There may be a restriction on the amount of scheme funding/ loan term that can be allocated to the Borrower.

Loan amounts and term are dependent upon State Aid thresholds – all Enterprises are subject to De Minimis State Aid thresholds, provided such Aid does not exceed €200,000 in any 3-year fiscal period. Borrowing under this scheme will give rise to State Aid benefit, and hence there may be a restriction on the amount of scheme funding/loan term that can be availed of by the borrower. It is important to note that the State Aid is not the amount of the loan. Full details can be found on

Representative example

An SBCI Future Growth Loan Scheme facility of €120,000 at a variable rate of 4.30% over an 8-year term will require 96-monthly repayments of €1,480.00. The total cost of credit is €22,080.00.

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 and terms and conditions apply. Over 18’s only. Maximum credit of €120,000 available for online applications.
WARNING: The cost of your repayment may increase
WARNING: The entire amount that you have borrowed will still be outstanding at the end of the interest-only period
WARNING: If you do not meet the repayments on your credit facility agreement, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit in the future.