Business Loan - Business loan calculator | Ulster Bank

Business loan

Our online application gives access to finance in three simple steps

Applicants must be over 18 years of age and resident in the Republic of Ireland. Lending is for business purposes only

Variable rate borrowers:

Warning: The cost of your repayments may increase

Businesswoman meeting business manager
Step 1 - The need to knows

  Structured repayments to suit your business needs

  Flexibility to reduce your borrowing at any time during the term of the loan

  Interest rate is variable and linked to Cost of Funds 

What we will need from you?

  Financial information from your annual accounts or projections

 A negotiated arrangement fee applies on all loans, to be paid at the time the loan is drawn down

Lending rates
Lending Rate %
AA1 Overdraft / Loan (Effective from 20th May 2009) 8.45%
Cost of Funds (Effective from 5th December 2019) * 0.35%
Cost of Funds (Pre 2012 calculation and definition) (Effective from 5th December 2019) * 0.20%

* To find out what rate applies to you, click here.

To view historic Cost of Funds and Cost of Funds (Pre 2012 calculation and definition) rates, please click here.

Step 2: Get a quote

Please note:

The above calculations are for illustrative purposes only not a finalised quote.

Lending is for business purposes only.

APR stands for Annual Percentage Rate

Step 3: Applying is quick and simple
  • Apply online in just 20 minutes - don't forget to have your annual accounts or projections to hand!
  • If we need additional information a member of our team will contact you within 48 hours of receipt of your application
  • We'll aim to give you a decision within 5 working days
Apply for a Business Loan

Important Information

Credit facilities are subject to status and conditions. Security may be required. Applicants must be over 18 years of age. Formalities include the use of Credit Reference Agencies who will note that an enquiry has been made about you. If you borrow and do not repay in full, within the agreed terms, Credit Reference Agencies may be advised and will note the outstanding debt. This may affect any future applications for credit facilities through the Ulster Bank Group of Companies or other lenders.

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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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