We have credit available to lend

We understand that through various life stages of your business that you need help financially, or you may wish to grow and expand.


Whatever your financial needs, whether short, medium or long term, we may have the solution. See the range of finance options AIB (NI) has to offer.

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What you should do if seeking finance from us

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    Step 1 - Talk to us

    Prior to preparing your application, talk to your Relationship Manager or call us on 0345 6005 925. At this initial meeting you will receive an outline of the information we require to support your application.


    † Lines open: 9am to 5pm Monday - Friday (except on bank holidays). Calls may be recorded. Call charges may vary - refer to your service provider.

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    Step 2 - Prepare your business plan

    Gather the following up-to-date financial information:

    • Management accounts to reflect the current trading period.
    • Aged list of debtors/creditors.
    • Tax clearance certificate.
    • Asset/ Liability profile of the company.
    • Financial and cash flow projections.
    • Details of security may be required.

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    Step 3 - Gather your business financial information

    Present a clear picture of your business story, e.g.:

    • key strengths, weaknesses, opportunities and challenges.
    • risk analysis from a market, customer, financial and operational perspective.
    • strategy and future goals.

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    Step 4 - Meet us to complete your application

    Arrange an appointment to meet your relationship manager. We will discuss financial solutions that meet your requirements once we have a full understanding and information about your proposal.

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When applying for finance with AIB (NI), you’ll need to show that your business has potential and can generate sufficient funds to service debt repayments. To help you think and prepare for this, review the brochures below:


Alternative sources of finance

There are a number of ways to access finance for your business. Finance for business comes in three different forms - equity, grants and bank finance. As well as approaching the bank, you should also investigate the alternative sources of finance available to you.



Cashflow planner tool

A financial and budgetary tool to help manage your business cashflow.


Business plan template

Use our business plan template to create your business plan.


Gearing Ratio Tool

This tool measures the level of debt and equity capital financing your business.

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