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.
Business Loans and Finance
Fast and flexible borrowing, could be suitable for small to medium businesses.
A personal, director or member's guarantee may be required. Over 18s only. Subject to status, business use only.
Borrowing amount
£1,000 - £50,000, subject to approval
Repayment terms
1 – 7 years
Representative APR
12.24% APR Variable
ⓘ
This rate is available for loans between £10,000 and £19,999. Other amounts are available at alternative rates. Our rates depend on your circumstances and loan amount and may differ from the Representative APR.
Fixed repayments to assist your financial planning.
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.
Borrowing amount
£25,001 up to £10m, subject to approval
Repayment terms
Up to 25 years
Terms are 3, 5, 7, 10 or 15 years
Interest rate options
Fixed
A loan that tracks the Ulster Bank base rate.
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.
Borrowing amount
£1,000 upwards, subject to approval
Repayment terms
3 months to 25 years
Interest rate options
Variable
Our Green Loan may be able to help fund your business's ambitions.
Eligibility criteria apply and security may be required. Fees (other than arrangement fees) may apply. Over 18s Only. Subject to status, eligibility, turnover and approval. Business use only. Terms Apply. Categorisation as an Ulster Bank Green Loan does not imply that the loan and/or its terms and conditions align with any “green” or similar taxonomy, standards, guidance or principles.
Borrowing amount
Borrow from £50,001
with no upper limit on a variable interest rate, or up to £10m on a fixed interest rate, subject to approval
Repayment terms
3 months to 25 years
Interest rate options
Fixed or Variable
A flexible short-term safety net for your business.
Security may be required. Product fees may apply. Over 18s only. Subject to status, business use only.
Borrowing amount
£500 - £50,000, unsecured, subject to approval
Arrangement fee
£150 - £500 dependent on amount requested
Representative EAR
12.28%
ⓘ
This rate is available for Overdrafts between £500 and £25,000. Other amounts are available at alternative rates. Our rates depend on your circumstances and overdraft amount and may differ from the Representative EAR
Helping you simplify cashflow.
Security may be required. Product fees may apply. To apply you must be a UK resident aged 18 or over. The OneCard is for UK businesses only. To apply you must be a business customer and maintain a business bank account in the same legal entity name with Ulster Bank. Subject to status, business use only.
Monthly interest
1.6%, if balance is not cleared in full by due date
Cash advance fee
2% of the transaction amount (min. £2)
Annual card fee
OneCard: £32 per cardholder
We offer a range of options to finance with Lombard, our asset finance provider.
Security, guarantees or indemnities may be required. Product fees may apply. Finance subject to status and is only available for business purposes. Asset finance (except contract hire) is provided by Lombard and contract hire is provided by Lombard Vehicle Solutions.
Tailored repayments
A range of terms available
Repayment terms
Monthly payments and the option of a larger final payment
Interest rate options
Fixed or Variable
Business loans for charities and social enterprises that don't qualify for mainstream loans.
Security may be required. Product fees may apply. Over 18s only. Subject to status, business 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.
Borrowing amount
£30,000 - £750,000, subject to approval
Flexible repayment terms available
No fixed term agreement
Interest rate options
Fixed
ⓘ
Ulster Bank NI Social & Community Capital is a trading name of NatWest Social & Community Capital, Registered in England No: 03901460, Registered office: 250 Bishopsgate, London EC2M 4AA. Charity Registration No: 1079626.
Fast and flexible borrowing, could be suitable for small to medium businesses.
A personal, director or member's guarantee may be required. Over 18s only. Subject to status, business use only.
Borrowing amount
£1,000 - £50,000, subject to approval
Repayment terms
1 – 7 years
Representative APR
12.24% APR Variable
ⓘ
This rate is available for loans between £10,000 and £19,999. Other amounts are available at alternative rates. Our rates depend on your circumstances and loan amount and may differ from the Representative APR.
Fixed repayments to assist your financial planning.
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.
Borrowing amount
£25,001 up to £10m, subject to approval
Repayment terms
Up to 25 years
Terms are 3, 5, 7, 10 or 15 years
Interest rate options
Fixed
A loan that tracks the Ulster Bank base rate.
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.
Borrowing amount
£1,000 upwards, subject to approval
Repayment terms
3 months to 25 years
Interest rate options
Variable
Our Green Loan may be able to help fund your business's ambitions.
Eligibility criteria apply and security may be required. Fees (other than arrangement fees) may apply. Over 18s Only. Subject to status, eligibility, turnover and approval. Business use only. Terms Apply. Categorisation as an Ulster Bank Green Loan does not imply that the loan and/or its terms and conditions align with any “green” or similar taxonomy, standards, guidance or principles.
Borrowing amount
Borrow from £50,001
with no upper limit on a variable interest rate, or up to £10m on a fixed interest rate, subject to approval
Repayment terms
3 months to 25 years
Interest rate options
Fixed or Variable
A flexible short-term safety net for your business.
Security may be required. Product fees may apply. Over 18s only. Subject to status, business use only.
Borrowing amount
£500 - £50,000, unsecured, subject to approval
Arrangement fee
£150 - £500 dependent on amount requested
Representative EAR
12.28%
ⓘ
This rate is available for Overdrafts between £500 and £25,000. Other amounts are available at alternative rates. Our rates depend on your circumstances and overdraft amount and may differ from the Representative EAR
Helping you simplify cashflow.
Security may be required. Product fees may apply. To apply you must be a UK resident aged 18 or over. The OneCard is for UK businesses only. To apply you must be a business customer and maintain a business bank account in the same legal entity name with Ulster Bank. Subject to status, business use only.
Monthly interest
1.6%, if balance is not cleared in full by due date
Cash advance fee
2% of the transaction amount (min. £2)
Annual card fee
OneCard: £32 per cardholder
We offer a range of options to finance with Lombard, our asset finance provider.
Security, guarantees or indemnities may be required. Product fees may apply. Finance subject to status and is only available for business purposes. Asset finance (except contract hire) is provided by Lombard and contract hire is provided by Lombard Vehicle Solutions.
Tailored repayments
A range of terms available
Repayment terms
Monthly payments and the option of a larger final payment
Interest rate options
Fixed or Variable
Business loans for trading charities and social enterprises that can't access appropriate loans.
Security may be required. Product fees may apply. Over 18s only. Subject to status, business 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.
Borrowing amount
£30,000 - £500,000, subject to approval
Flexible repayment terms available
No fixed term agreement
Interest rate options
Fixed
ⓘ
Ulster Bank NI Social & Community Capital is a trading name of NatWest Social & Community Capital, Registered in England No: 03901460, Registered office: 250 Bishopsgate, London EC2M 4AA. Charity Registration No: 1079626.
We’ve made it easy for you to compare our business banking products against our competitors. Just visit the following websites (suggested by the UK Government's Competition and Markets Authority):
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:
Organisations which may offer alternative finance solutions
We have set out our commitments around how we will support UK SMEs, following the publication of the UK Government’s SME Finance Charter.
We adhere to the Standards of Lending Practice which are monitored and enforced by the LSB.
See your copy of the Standards of Lending Practice for business customers.
Find out more about the Lender and Borrower Responsibilities.
