Business Lending - Small Business | Ulster Bank


Business lending

Apply for business finance today

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.

Variable rate borrowers:


Online applications for business loans and overdrafts

Business loan



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

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 today Increase an existing overdraft
Business Lending - Small Business | Ulster Bank 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

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

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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