Access to Credit

We understand that business start-ups may need credit to get up and running and we have credit available to lend. Our Business Customer Advisors in our branches can guide you through the process. Alternatively you can contact our Direct Business Advisor Team on 1890 47 88 33.

We have a range of medium and long term loan options to help you grow your business including the AIB Start-up loan, SBCI loan, and Asset Finance.


Start-up Loan

New or early stage small businesses established in the last 3 years can avail of our Start-up Loan for amounts up to €100,000. Loans are available at 5.5% per annum variable. This is 1% lower than our Standard Variable Business Rate of 6.5%.

More information and how to apply is available on our Start-up Loan.



We’ve partnered with the Strategic Banking Corporation of Ireland (SBCI) to help small businesses like yours get access to loans at a discounted rate. SBCI Loans are available at 4.5% per annum variable, that’s 2% lower than our Standard Variable Business Rate of 6.5%.

More information is available on our SBCI Loan.


Asset Finance

Asset finance can overcome the challenges of raising the necessary capital to purchase new assets through leasing or hire purchase. Finance is available over a two, three, four or five year period - choose the term that suits you best. Longer terms can be arranged if appropriate.

More information is available on Asset Finance.


We understand that cashflow is critical to the business. We have a number of options available to meet your business needs including Business Overdraft, Business Credit Line and Promptpay.



A Business Overdraft allows your current account to go into an overdrawn position, up to a pre-agreed limit.  While there is no fixed repayment period in place, an overdraft is subject to annual review after which time it may be renewed.

More information is available on our Overdraft


Business Credit Line

A line of credit that works with your current account to give your business seasonal financial support.

More information is available on Business Credit Line



Short term finance for a business, which helps to spread the cost of those once-off payments for up to a period of 11 months and improve business cash-flow.

More information is available on Promptpay


Business Classic Card

Ideal payment tool for day to day business expenses, our Classic Visa Business Card provides a cost effective everyday payment tool for regular business use, with no annual fee.

More information and how to apply is available on Business Classic Card


Lending criteria, terms and conditions apply. Credit facilities are subject to repayment capacity and financial status and are not available to persons under 18 years of age. Security may be required.



Warning: The costs of your repayments may increase.