SBCI Future Growth Loan Scheme

Funding Capital Investment

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

How to Apply

The SBCI FGLS has been fully subscribed and is no longer available.

How to apply for a SBCI Future Growth Loan with Bank of Ireland

  1. Complete the SBCI Future Growth Loan Scheme pre-eligibility application form on
  2. Receive your Eligibility Confirmation Letter from the SBCI. We will require the SBCI eligibility code to process your loan application under the scheme. This is a 10 digit code which can be found at the top of the Eligibility Confirmation Letter issued by the SBCI.
  3. Visit to apply for a business loan up to €120,000 or call our dedicated Business Loans team on 1890 365 222.
  4. For amounts over €120,000 please arrange a meeting with your Relationship Manager or contact your local branch.

For further information or queries about the eligibility process, visit or call the SBCI helpdesk on 1800 804 482 to find out more.

Note: Confirmation of scheme eligibility does not guarantee credit approval; Customers will be required to submit a standard business loan application to the Bank.

Representative example

An SBCI Future Growth Loan Scheme facility of €120,000 at a variable rate of 4.02% over an 8-year term will require 96-monthly repayments of €1,463.08. The total cost of credit is €22,455.68.

Bank of Ireland is not responsible for the information on third party websites.
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.
Over 18 years only. Lending criteria, Terms and Conditions apply. 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.
Government of Ireland
European investment fund