Business Lending - Small Business | Ulster Bank



Important Notice about Closure to New Business:

These products are no longer available for sale. Ulster Bank Ireland DAC is no longer accepting any new application requests from business customers effective 2nd November 2022.  There are some exceptions to this for existing customers, for more information click here.

 To apply online you must be trading as a sole trader, partnership or company in the Republic of Ireland. Over 18s only. Lending criteria, terms and conditions apply. Available to existing customers only.

Add your signposting title here…


Business Lending

Apply for business finance today

Variable rate borrowers:

Warning: The cost of your repayments may increase

Online applications for business loans and overdrafts

Business loan

  • Existing customers can borrow from €1,000
  • Maximum term available of 15 years 
  • Repayments at a frequency to suit your business

Business Overdraft

  • Borrow from €500
  • Boost cashflow or enable a short term purchase
  • Pay interest only when you use your overdraft 
  • Available for up to 12 months
Increase an existing overdraft

Ways to apply

I am an existing customer

If you are an existing customer with online banking for your Business Account, we have a variety of online borrowing options from €1,000 to €50,000.


Apply today using your Anytime Internet Banking details.


Find out more and apply now

If you are an existing customer but you don't bank online, we're here to help.

  • Speak to your Relationship Manager or
  • Phone our dedicated telephony team on 0818 211 690 (Republic of Ireland) Or if calling from abroad 0044 2890 538459

I am an existing customer and I have a Relationship Manager

If you have a Relationship Manager for your Business account, please contact them to discuss your borrowing options.

Managing business debt

As part of our commitment to your business we provide a transparent and open appeals process.

The Central Bank of Ireland has published regulations for firms lending to SMEs,

The regulations contain specific requirements for regulated lenders, including:

  • Giving SME borrowers greater transparency around the application process;
  • Providing SME borrowers with reasons for declining credit, in writing, that are specific to their application;
  • Providing greater protections for guarantors;
  • Contacting SME borrowers who have been in arrears for 15 working days;
  • Warning SME borrowers if they are in danger of being classified as not co-operating; and
  • Expanding the grounds for appeal and setting up an internal appeals panel.

Our approach

For further information on the SME regulations and how we support SME borrowers facing financial difficulty you can download our:

Information booklet (PDF, 213KB)

Each SME that is experiencing or facing financial difficulties is urged to get in touch with us immediately so we can try and help. Each customer will be treated on a case by case basis.

The regulations are available in full on the central bank website.

The SME regulations (PDF, 348KB)

Applied already? Appeal a lending decision

As part of our commitment to you we provide a transparent and open appeals process.  

Whether you have:

  Applied for lending and your application has been declined or 

  Applied for lending and you feel the terms of approval are unacceptable or 

  Your existing facilities have been reduced or withdrawn.

If your appeal is not successful you may, subject to eligibility, refer your case to the Credit Review Office.  Please take time to review the eligibility criteria set by the Credit Review Office by referring to their website or brochure below:  

The Credit Review Office (PDF, 651KB) 

Are you eligible?

Making an appeal

  • Your business is an SME*
  • You have made a formal lending request to Ulster Bank
  • Your appeal relates to a lending application declined / approved in the last 30 days
  • Your lending request was for an amount between €1,000 and €3,000,000
  • Your lending request does not relate to Business Credit Cards
* An SME is defined by the EU as a business with less than 250 employees, turnover of less than €50 million and/or balance sheet less than €43 million

Get in touch

Call our dedicated team:

  • 0818 211 690 (Republic of Ireland)
  • 0345 366 5592 (UK)
  • 0044 2890 538459 (if calling from abroad)

Lines are open  8.30am - 5pm  Monday to Friday. Note calls may be recorded.

Alternatively, email us

Visit us Request a call back
Set Tab for lightbox