Compare rates from Ireland's major banks and alternative lenders in seconds. Independent, free, and built for Irish small businesses.
Rates as of April 2026. Always verify directly with lenders before applying.
| Lender | Loan type | Rate (APR / fixed) | Amount range | Term | Security | Decision |
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Key things every Irish SME borrower should know
The Strategic Banking Corporation of Ireland channels EU funds through partner banks to offer below-market rates. Always check SBCI eligibility first — it can save you 1–2% on your rate.
Loans for energy upgrades, EVs or sustainability measures often attract a rate discount of 0.25–0.5%. The SBCI Growth & Sustainability scheme offers some of the lowest rates available.
Non-bank lenders like Capitalflow and Finance Ireland are taking a growing share of the SME market — offering faster decisions, less paperwork, and competitive rates for asset finance.
SBCI-backed loans are often unsecured up to €500k. Standard bank loans typically require a personal guarantee or charge over business assets above €100k.
Always compare the Annual Percentage Rate, not just the headline rate. Arrangement fees (0.5–1%) and guarantee fees can add meaningfully to the total cost of credit.
From September 2025, credit unions can lend up to 15% of assets to businesses — a major expansion. For loans under €50k, credit unions are increasingly competitive.
Government and EU-supported lending programmes for Irish SMEs
Long-term investment loans at discounted rates. Up to €3m, terms 7–10 years. Available via AIB, Bank of Ireland and PTSB. Rate: from 3.44% (via AIB for loans ≥€250k).
Climate and sustainability investment plus growth lending. Variable rate from 3.63% (Bank of Ireland, ≥€300k). Runs until 30 June 2026 or fully subscribed.
Loans up to €50,000 for businesses with fewer than 10 employees who cannot access bank finance. Not-for-profit, flexible terms, accessible nationwide.