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How could business lending help you?

Access extra cash to help your business grow

Common reasons to borrow Open in new window
How could we help you Open in new window
Types of borrowing Open in new window
FAQs Open in new window
Next steps Open in new window

Common reasons to borrow

Many businesses find it helpful to take on financing – whether it’s to help get the business up and running, manage cash flow, or make investments in machinery or new technology. Borrowing money can feel like a big step, but we’re here to help.

With business financing, you could:

Expand your business

Invest in new equipment

Better manage your finances 

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How could Ulster Bank help you

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A tale of two businesses – hear how Surf & Turf took advantage of business funding to help fuel their growth, and how their achievements have inspired The Bakehouse Market.

 

Watch Lewis and Shona explain how business funding helped them:

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Types of borrowing to consider

Business loans

Business loans are a common way to access extra funds to help achieve your goals. You can check monthly repayments for a Small Business loan* using our calculator, and check your eligiblity.

If you have a bigger project and require a larger sum, you might want to consider one of our fixed or variable rate loans**.

*A personal, director or member's guarantee may be required. Over 18s only. Subject to status, business use only.

**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.

You could also consider a Green loan***, if your goal is to support the sustainability of your business. Green Loans can help finance investments like solar panels, electric vehicles, LED lighting and other items included in our eligible list for this type of loan.

***Security may be required. Fees (other than arrangement fees) may apply. Over 18s only. Subject to status, eligibility and approval. 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. Failure to comply with the terms of the loan agreement could lead to an event of default under the loan and (depending on their terms) may also impact other facilities of the borrower. Terms apply.

Everyday business finance

Sometimes when managing cash flow, it’s handy to be able to access extra funds through a Business overdraft*. An overdraft can provide a safety net for unexpected expenses. We have a useful overdraft calculator to help you decide if that’s right for you.

*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.

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Alternative financing

For charities and social enterprises, Social and Community capital lending might be an option.

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Could a clearer view of your finances help your loan application?

Having key financial information like your revenue and cashflow at your fingertips could support your loan application. Our business bank accounts include free* access to FreeAgent accounting software, which makes staying on top of your incomings, outgoings and forecasting simple and less stressful.

*Free for as long as you retain your account. Optional add-ons may be chargeable. Business banking available to eligible customers over 18. 

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Frequently asked questions

Next steps

For further details, you can head to Business loans and finance. And if you’re ready to apply, you'll need some information to hand, including:

  • The desired borrowing amount
  • How the funds will be used
  • The business tax ID
  • Recent accounting information
  • Projections for the business
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Customers with hearing and speech impairments can contact us using our Relay UK Service: 18001 0345 366 5592.

Lines are open 9.00am – 5.30pm Monday to Friday (except public holidays)

For more information visit the accessibility page.

Calls may be recorded for training and monitoring purposes. To see how much your call might cost, visit the call charge information page.

Something else we can help you with?