Business Lending - Small Business | Ulster Bank


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.

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Business Lending

Finance options to support your business

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.

You may have heard we plan to begin a phased withdrawal from Ulster Bank’s Republic of Ireland business over the coming years. There will be no immediate changes for customers and we anticipate that our withdrawal will take a number of years to allow a smooth transition. 


There are no changes for Ulster Bank Northern Ireland customers.

Online applications for loans and overdrafts

Business Overdraft


  • Apply for a new overdraft or simply increase your existing one
  • Pay interest only when you use your overdraft 
  • Available for up to 12 months
Apply online today

Business Loan


  • Borrow from £1,000
  • Maximum term available of 25 years 
  • Repayments at a frequency to suit your business
Apply online today
See how we compare in the market

If you're wanting to see how our business overdraft, loans and business bank account products compare against others in the market, you can compare them at the following websites, as suggested by the UK Government's Competition and Markets Authority: 

Declined for a loan? Appeal your lending decision

As part of our commitment to you we provide a transparent and open appeals process. If you disagree with our decision and your application has been declined you can request a review via our online appeal application.


If you meet all of the criteria detailed you are entitled to make an appeal:

Submit an appeal online



 You have applied to Ulster Bank for lending

  Your lending request has not been declined due to bankruptcy

  You have submitted a formal lending application

  Your appeal related to a lending application declined within the previous 30 days

  Your annual group turnover is less than £25m

SME Finance Charter

We have set out our commitments around how we will support UK SMEs, following the publication of the UK Government’s SME Finance Charter.

SME Financial Charter (PDF, 36KB)
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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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