Finance and Loans




We’re Backing Brave – at AIB we have loans especially for Small Businesses and Farmers. So here’s the deal – you go out and keep making, innovating, enduring and being brave. And at AIB we’ll back you.

We’re ready to talk about the type of loan that might suit your needs and to help you through the application process.

Our team is available from 8am-9pm on weekdays and 9am-6pm on Saturdays at 1890 47 88 33.  


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    Call 1890 47 88 33
    Available Mon-Fri 8am-9pm, Sat 9am-6pm
Talk to us today if you are having cashflow problems

Supporting TAMS II Farm Investment

At AIB, we’re backing farmers. If you are investing in your farm and applying for TAMS II (Targeted Agricultural Modernisation Schemes II) grant support, we have a selection of tools and guides to help you.  

And, if you need finance for your farm investment, we have loans with competitive interest rates and flexible repayment options to suit you.

Medium to long term business finance

30k in 48 Hours

If you are an AIB customer running a small business or farm, and you see an opportunity you want to grasp, we can give you fast approval on new business loans and overdrafts up to €30,000 within 48 hours* of receiving your application.


Call 1890 47 88 33 or visit your local branch.

Emergency Flood Response

Flood Response

If you’re worried about the impact that recent floods will have on your business’ finances, please call our Flood Response Line to discuss the options available to your business, including:

  • Temporary increase in overdraft facilities
  • Short term loans pending insurance settlement
  • New loans (such as those for stocking finance)
  • Reduced repayments to at least cover your loan interest for a fixed period of three months. Flexible repayment arrangements may impact on the repayment amount and/or term of the loan.
  • A credit decision on facilities up to €30,000 within 48 hours* for eligible applications


You can call the Flood Response Line at
0818 303 034, Monday-Friday from 8am to 9pm and Saturdays 9am to 6pm. 

Short term finance and loans for SMEs

Start-up Loans

If you are in business for less than three years, we’ll back you with loans for amounts up to €100k.

Medium to long term business finance

Business Loans

At whatever stage of your business, you may need to borrow money. Why not talk to us about a business loan? We’re sure to have a solution that will suit you.


Call 1890 47 88 33 or visit your local branch.

Short term finance and loans for SMEs

Business Overdraft

Apply for an overdraft to manage the day-to-day money in your business. An overdraft is a flexible way to manage the cash flowing through your current account within an agreed limit.


Call 1890 47 88 33 or visit your local branch.

Medium to long term business finance


In partnership with the Strategic Banking Corporation of Ireland (SBCI), we have €400m available to help small businesses and farmers get access to loans at a discounted rate.

Talk to us about range of Farm Loans today

Asset Finance

Small businesses and farmers often have to buy equipment and vehicles.  We have flexible solutions for financing any type of asset. Our Asset Finance team will work with you to choose the term and type of repayments.

Plan for growth with an AIB business loan

PromptPay & Insurance Premium Finance

We have two sources of short-term finance to help you spread the cost of large annual payments. 

Upgrade your equipment with our Asset Finance packages

Invoice Financing

Collecting payment on your invoices can put pressure on your cashflow and affect your company’s ability to grow.

Plan for growth with an AIB business loan

Business Credit Line

Our Credit Line is a pre-arranged line of credit that works with your current account as an alternative source of working capital. This helps you manage seasonal spending without using your overdraft.

Upgrade your equipment with our Asset Finance packages

Farm Development Loans

With our farm development loans, you can fund the long-term development of your farm without dipping into short-term cashflow. With our loans, you can buy land, develop your farm and take advantage of grant-aided investment.

We aim to provide a decision within 48 hours upon receipt of all required information. 48 hours excludes Saturdays, Sundays and Bank Holidays. If you are experiencing any financial difficulties, please talk to us in more detail so we can advise the best solution for you.



Important / Regulatory Notice.

Warning: You may have to pay charges if you repay early, in full or in part, a fixed rate credit facility.

Warning: The costs of your repayments may increase.

Warning: The entire amount that you have borrowed will still be outstanding at the end of the interest only period.

Terms and Conditions.

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.