Business Overdraft

Plan with confidence – A business overdraft allows your current account to go into an overdrawn position, up to a pre agreed limit. Supporting your business by providing you with security, flexibility and control over your cashflow needs.


Flexible low cost finance – Only pay interest on the amount you use with no fixed repayments and an interest rate of 7.85% variable*

*The total cost of credit for a business overdraft of €25,000 is €2,034.60 



Call 0818 724 020
Register for Internet Banking

Ways to Apply 






AIB customers can get approval within 48 hours** – subject to credit assessment – on new business loans and overdrafts up to €60,000.


4 out of 5 SME customers who processed an application online got an instant decision***

**We aim to provide a decision within 48 hours, for a minimum of 85% of applications from AIB customers on business loans and overdrafts, upon receipt of all required information. 48 hours excludes Saturdays, Sundays and Bank Holidays. If you have previously been through a restructure, please talk to us in more detail so we can advise the best solution for you.

***In 2018, 79% of loan and overdraft applications processed online received an instant decision. 


Cashflow Planner for Farmers

A comprehensive and structured framework for managing your cashflow


Small Business Cashflow Planner

A comprehensive and structured framework for managing your cashflow

Important/Regulatory Notice

Warning: The cost of your repayments may increase

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

However AIB will not apply charges if you repay this €0 to €60k SME Fixed Loan early.


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.