You’ll need the personal details of all of the partners, members, directors or signatories of the business (including their home addresses for the last 3 years). You’ll also need your business details, including your Company’s Registration Number (provided by Companies House) if you’re a limited company. Also, details of any countries you or your business is registered for tax purposes in and details of your business' year end accounts or cashflow forecasts. Find out more in the "Application" section below, which will help you to prepare.
Boost cash flow with a business overdraft
Financial support so you can focus on your business
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.
How much you'd like to borrow over what term
About you and your business
Purpose of your overdraft
We'll call you back.
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.
When we've got all the information we need, we aim to give you a decision within 2 working days.
We’re open for UK businesses
We're helping so many businesses across Northern Ireland. Why not be part of the success?
We’re experts in most fields
We have customers in most sectors, so you can be confident with our expertise and support.
We offer a support network
You'll receive your own Relationship Manager (turnover and eligibility criteria apply).
Our app makes it easier for you
With fantastic features, our app can do the heavy lifting, so you can focus on your business. (eligibility criteria applies).
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.
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.
Who can appeal?
If you meet all of the criteria detailed you are entitled to make an appeal
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