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Important notice regarding Future Growth Loan Scheme

The Future Growth Loan scheme was delivered to the market by the SBCI in June 2019. The Scheme is supported by the Department of Business Enterprise and Innovation and the Department of Agriculture, Food and the Marine. To date there has been very strong demand from SMEs and farmers for this longer term, lower cost finance. This demand has resulted in a rapid take up of the scheme and consequently there is limited remaining capacity. Bank of Ireland and AIB are at their FGLS limits, while Ulster Bank and KBC continue to have capacity available. However, potential borrowers in the Agriculture sector should be aware that KBC’s product range is aimed at SME business customers and that it does not offer funding in the Agriculture sector.

WHO WE ARE

We are a strategic SME funding company whose goal is to ensure access to flexible funding for Irish SMEs.

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WHAT WE DO

We aim to deliver lower cost, long-term, innovative and accessible funding by offering flexible products, through our On-Lending Partners.

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SBCI SME CASE STUDIES

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Get in Touch

info@sbci.gov.ie

01 238 4000

We deliver lower cost, long-term, innovative and accessible funding to independent Irish SMEs by offering flexible products, through our On-Lending Partners.

NEW SBCI Brexit Loan scheme Loan features

Loan amounts of between €25,000 to €1.5m per eligible enterprise (see the State Aid section below for further details).
Maximum interest rate of 4%.
Loan terms ranging from 1 year to 3 years.
Unsecured loans up to €500,000.
Optional interest-only repayments may be available at the start of the loans.
The loan amount and term is dependent on the loan purpose.

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SBCI Investment & Working Capital Loans

Lower interest rates
Available for both investment and working capital purposes
Minimum loan maturity of 2 years
Loan amounts up to €5m

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SBCI Agriculture Investment Loans

Lower interest rates
For SMEs involved in primary agricultural production, processing or marketing of agricultural products.
Loan amounts up to €5m

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SBCI Facilities to Refinance Exiting Banks

Lower interest rates
For SMEs whose current facilities originated with a bank which is exiting/has exited the Irish market
Minimum loan maturity of 2 years
Loan amounts up to €5m

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Leasing & Hire Purchase

SME leasing offers flexible asset finance funding solutions, including leasing and hire purchase (HP) that will allow SMEs finance assets including cars, commercial vehicles, plant and machinery.
Fixed plant/equipment/vehicles are purchased by the leasing/HP Company on behalf of the customer and hired for an agreed term.

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Contract Hire Agreements (Vehicle Leasing)

Rent/hire a vehicle for a set monthly payment over a fixed period
Lower monthly payment than hire purchase or lease

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Invoice Finance

Immediate access to cash tied up in trade debtors– up to 90% cash release
Finance that grows with you in line a business’s sales growth
Eligible debt includes domestic and export sales

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OUR PARTNERS

The SBCI product programme is being made available through a range of bank and non-bank financial institutions. The SBCI provides the same low cost pricing of funds to all its on-lending partners.

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