Finance and Loans - AIB (NI) Business

At AIB (NI), we understand our support is essential for the development of your business.

From your working capital requirements, aiding your business expansion, or cross-border trade, we want to help you achieve your business goals so whether you're an emerging or existing business, talk to us today.

Loans and overdrafts

Business Loan

We offer loans at competitive rates which can be structured with flexible repayments. 11.8% APR representative for loan amounts up to the value of £25,000.

Business Overdraft

Can give your business the flexibility to manage short-term cashflow requirements. 13.92% EAR* (variable) representative on Standard Tariff Unsecured Business Overdrafts up to £25,000.

Short term finance

Invoice Finance

With Invoice Finance we can help your business overcome cashflow problems by giving you immediate access of up to 90% of invoiced debt.

Visa Business Cards

A simple and highly effective way for your business to monitor and control expenses. Our cards are ideal for employees who incur business expenses.

Medium/long-term finance

Asset Finance

A practical way to finance the purchase of equipment, commercial vehicles, plant and machinery.

*Effective Annual Rate of Interest (EAR): This is the illustrative annual cost of an overdraft, stated as an annual rate, which takes into account how often arranged overdraft interest is charged to the account and does not include any other fees or charges.

Help and information

Standards of Lending Practice for Business Customers

We adhere to the Standards of Lending Practice for Business Customers which sets standards for banks when dealing with lending and overdrafts for business customers. You can get more information on the Standards from any branch or at www.lendingstandardsboard.org.uk. Under the Standards we have also developed a Statement of Lender and Borrower Responsibilities to ensure that the relationship works well for both of us.