Small Business Loan | Ulster Bank


Buying new equipment for your business?

A business loan could be the answer

To apply online you must be trading as a sole trader, partnership or limited company in Northern Ireland. Security may be required. Product fees may apply. Over 18s only. Subject to status, business use only.

Any property or asset used as security may be repossessed or forfeited if you do not keep up repayments on any debt secured on it.

Key product information


Structure your repayments to suit your business

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

Loan interest rates are linked to the Ulster Bank base rate

Minimum arrangement fee of £150 applies for loans up to £15,000. Above £15,000, an arrangement fee of 1% will apply.

Changes in the Ulster Bank base rate may require a review of your regular instalment amounts.

*Base rate
Lending Rate %
Ulster Bank base rate (Effective from 2nd August 2018) 0.75%
3 Month Libor Rate (Effective from 16th January 2020) 0.70%



All lending is subject to financial status and conditions and is for business purposes only.

You must be over 18 years of age

You must be resident in the United Kingdom.


Let's get started


The online application takes approximately 8 mins to complete

Simply provide the following information and we'll do the rest:


How much you would like to borrow and over what term


The purpose of the loan


Details about you and your business

We'll give you a call to confirm financial information

We're keen to get to know you and your business. Once we've received your application we'll give you a call to run through your business finances


Once we have the information needed we aim to give you a decision within 2 working days

Start my application

Important information 


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. All Ulster Bank credit facilities are subject to Lending criteria, Terms and Conditions.

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General enquiries

Please call 0345 366 5592 (UK)

or if calling from abroad, 0044 2890 538459

Lines are open 8.30am - 5.30pm  Monday to Friday - Note calls may be recorded  Call charges



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