Here's what you need to know:

  • Borrow loan amounts between £2,000 and £100,000 at a variable interest rate on an unsecured basis.
  • The interest rate for this loan is lower than our standard business variable rate loan.
  • This loan is available to support SME and Agri businesses to invest in green or transition to green activities (see the list below).  
  • Loan terms up to 7 years available.
  • No early repayment or arrangement fees apply.
  • Choose from a range of flexible repayments options so that paying back your loan is as stress free as possible.
  • We will assess your application and if approved, you will need to provide acceptable proof of your investment, such as a quote, invoice or Energy Performance Certificate (EPC), before you draw down the loan.

What can you borrow for?

 

Agriculture sector

Animal Production Efficiency

Pollution Control

Forestry

Biodiversity & Improvements

Machinery

Renewable Energy

The improvement of animal living conditions that enhances animal efficiencies / production e.g. Animal housing.

Investments in pollution control measures including covered collection yards, waste and effluent storage facilities and supporting infrastructure, for example, Slatted tanks.

Investment in afforestation, reforestation, forest rehabilitation/restoration including related equipment.

Investments in biodiversity improvements e.g. habitat restoration.

Non-fuel-based machinery to improve the efficiency of farming practices e.g. tractors, harvesters

Investment in renewable energy solutions e.g. Solar panels.

 

All other sectors

Renewable Energy

Green Buildings

Building Renovations

Zero Emission Vehicles

Circular Economy and Waste Management

Investment in renewable energy solutions e.g. Solar panels.

Purchase, construction or renovation of property with or resulting in a minimum  Energy Performance Certificate (EPC) rating of B.

Property renovation that achieves at least 30% improvement in energy efficiency.

Investments in electric vehicles or EV related infrastructure.

The management and/or remediation of non-hazardous waste e.g. collection or transport of waste.



How it works:

You’ll be asked to provide evidence such as an invoice or an Energy Performance Certificate (EPC) to prove that the purpose of your loan request matches one of the allowable purposes above. 

Agri businesses will also be asked to provide evidence to confirm membership of one of the following schemes or programmes:

o   UK Red Tractor Assurance

o   Livestock & Meat Commission Farm Quality Assurance Scheme

o   NI Farm Quality Assurance Scheme

Representative examples for you:

  • 8.57% APR representative for loan amounts up to the value of £100,000.

Representative Example

Loan amount of £15,000 with 48 payments over 4 years of £367.56 per month. Total amount payable £17,642.70. Interest rate 8.25% p.a. (variable).  8.57% APR representative. No arrangement fee applies.

  •  8.57% APR representative for loan amounts up to the value of £100,000.

Representative Example

Loan amount of £50,000 with 48 payments over 4 years of £1,225.19 per month. Total amount payable £58,808.99. Interest rate 8.25% p.a. (variable). 8.57% APR representative. No arrangement fee applies.

The results are based on current offered rates for the Business Sustainability Loan.  Repayment figures assume the loan was drawn down on 23rd June 2025 and the first payment was on made on 17th July 2025. 

Important information

Business Loan terms and conditions are available on request. Applicants must be 18 years or over and resident in the UK. As a responsible lender AIB (NI) will only lend money based on our assessment of your ability to repay. Written quotations available on request.

Help and information

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

Looking for Finance
For information on the documentation you will need to apply for a finance product with us.

Talk to Us

Simply call 0345 6005 925 or visit your nearest branch. We’ll be happy to answer any questions you might have about applying for a Business Sustainability Loan
 Lines open: Monday - Friday 09:00 - 17:00 (except on bank holidays). Calls may be recorded. Call charges may vary - refer to your service provider.

Call 0345 6005 925

Call 0345 6005 925

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New Finance or Lending Enquiry

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