Services provided or to be provided to the Public

1. Services provided to the public including administration of an enactment/scheme

The SBCI aims to deliver lower cost, long-term, innovative and accessible funding to independent Irish SMEs. The SBCI offers flexible products, through its on-lending partners, tailored to the SME market.

The following is a list of the SBCI’s products:

  • SBCI Investment and Working Capital Loans
  • Re-finance of Exiting Banks
  • Agriculture Investment Loans
  • Leasing and Hire Purchase

If you require further information about the SBCI’s products please click here.

2. How such services can be accessed

SBCI products can be accessed through the SBCI’s on-lending partners.

Investment, Working Capital, Agriculture Investment loans together with loans to refinance facilities from Banks exiting the Irish Market can be accessed through AIB, Bank of Ireland and Ulster Bank. Contact details are as follows:

AIB is available for SBCI loan enquiries through its network of branches and dedicated SME line. Click http://business.aib.ie/branch-locator to find your nearest branch or call 1890 47 88 33 Monday – Friday 08:00-21:00, Saturday 09:00-18:00.

Bank of Ireland is available for SBCI loan enquiries through bbsbci@boi.com. Please visit www.bankofireland.com/sbci for further details.

Ulster Bank is available for SBCI loan enquiries at 1850 211 690 (Republic of Ireland). Please visit http://digital.ulsterbank.ie/business/accounts-and-services/business-lending/SBCI-Loan.html for further details.

Leasing, Hire Purchase and Fleet Finance products can be accessed through Finance Ireland and Merrion Fleet. Contact details are as follows:

Finance Ireland Leasing is available for SBCI leasing/hire purchase enquiries through info@financeireland.ie. Please visit www.financeireland.ie for further details.

Merrion Fleet is available for SBCI fleet finance enquiries at sbci@merrionfleet.ie. Please visit www.merrionfleet.ie for further details.

3. Review or appeal rights relating to such services

The SBCI does not lend directly to SMEs. Funds are lent through the SBCI on-lending partners. In the event that an SME’s application for credit is unsuccessful, SMEs should channel  their query directly through the bank on-lending partners who operate an internal appeals process. Links to our current on-lending partner websites are provided below:

If the SME’s internal appeal is unsuccessful, it can then refer the case to the Credit Review Office. Information about the role of the Credit Review Office and the eligibility criteria for review can be found on its website at www.creditreview.ie