Business lending

A range of solutions for your business

Apply for lending today

Our online applications make applying for lending even easier

Business Loan


  • Borrow from €1,000
  • Maximum term available of 15 years 
  • Repayments at a frequency to suit your business
Apply Online

Business Overdraft 


  • Boost cashflow or enable a short term purchase
  • Pay interest only when you use your overdraft 
  • Available for up to 12 months
Apply Online Increase my Overdraft

Ulster Bank and the SBCI

Does your business qualify for discounted funding?

Whether you are starting out, expanding or diversifying, we are keen to talk to you to see how Ulster Bank and the SBCI can help you move forward.

Find out more

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Lombard - Asset Finance

Unlock the value in your business


  • Pay for equipment, machinery or vehicles
  • Spread the cost of an asset
  • A local team to discuss your needs
Find out more

Alternative Sources of Finance


Sometimes traditional bank finance is not always accessible or appropriate, so we have signposted alternative organisations that could offer you support

Find out more

Invoice Finance


  • Turn your invoices into cash
  • Release cash on the strength of your business invoices
  • Suitable for businesses with a minimum turnover of €500,000
More on Invoice Finance



  • Pay for entertainment and business travel expenses
  • Accepted worldwide wherever the MasterCard logo is displayed
More on OneCard

Business Lending

Managing business debt

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

The Central Bank of Ireland's code of conduct for Business lending to Small and Medium Enterprises 2012 (SME Code), has defined objectives. These are:

  Facilitate access to credit for sustainable and productive business propositions.

  Promote fairness and transparency in the treatment of SMEs by regulated entities.

  Ensure that when dealing with financial difficulties cases, the aim of a regulated entity will be to assist borrowers to meet their obligations, or otherwise deal with the situation in an orderly and appropriate manner.



Our approach

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

Information booklet

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 code is available in full on the central bank website.

Code of Conduct for Business Lending to Small and Medium Enterprises

Irish Banking Federation (IBF) Protocol on Multi Banked SME Debt

On the 6th January 2014 the IBF Protocol on Multi-Banked SME Debt was formally launched . The objective of this Protocol is to create a framework that allows an SME in financial difficulty, with multi-banked debt, to communicate with the relevant banks on a collective basis and to allow those banks to collectively discuss and consider the case.

You can visit the IBF website for further information

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 

ub_article_any_20150608_84465925 Are you eligible?


  • 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
Submit an appeal online

Get in touch

We're here to help

Call our dedicated team

Call us now

General enquiries

1850 211 690 (Republic of Ireland)

0345 366 5592 (UK)

Or if calling from abroad 0044 2890 538459

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

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