Business lending

A range of solutions for your business

Lending options for your business

Looking for day-to-day working capital or to invest in long-term plans for your business? We have a number of solutions to choose from.

Business Overdraft

Increase my overdraft

Business Loan

Lombard Asset Finance

Invoice Finance

Business Credit Card

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 about additional support


Managing business debt

We understand that challenging times can cause some of our customers to struggle to meet their financial commitments. We our commited to supporting you if you find yourself in financial difficulty.

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

Our Appeals process is designed to support any SMEs in the Republic of Ireland who may wish to apply for a review of a decision to decline an application for up to €1,000,000 in new or increased debt facilities. You can apply to our Business Credit Review office for an independant review of the original decision.

Are you eligible?


  • You have made a formal credit application to Ulster Bank
  • Application amount was between €1,000 and €1,000,000
  • Your lending request has not been declined due to bankruptcy
  • Your appeal relates to an application made in the last 30 days
Basis of your appeal

Basis of Appeal

  • The application was declined
  • The application has been reduced to a less amount than requested
  • You have been kept waiting for an unreasonable time for a formal response
  • The rate offered for an approved credit request is unreasonably high, so as to imply constructive refusal.
  • The bank has requested un unreasonable amount of direct or collateral security to cover the lending.
How to appeal

How to appeal

Completing our application form
  • All applicants must complete sections 1-3. Farmers must also complete appendix A.
  • Sign and date application form and return with any relevant supporting documentation.
  • Return the form to: The Credit Appeals Manager, UBIL, 19 O'Connell Street, Clonmel, Co Tipperary

Application Form


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

Set Tab for lightbox