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Services Provided Or To Be Provided To The Public

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

The SBCI commits to respond to all queries from interested parties promptly. Such queries may relate to a person's eligibility to avail of SBCI supported funding, for example, the Brexit or Covid-19 Working Capital Scheme Loan Scheme.

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

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.

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 here.

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

SBCI Customer Charter

This Customer Service Charter outlines the SBCI’s commitment to service and describes the standards of service that you can expect to receive from us.

Our purpose and functions

One of the SBCI’s goals is to promote the provision of finance through effective credit facilities to SMEs and other businesses to meet their financial needs, whether related to growth, investment or operational needs. To this end the SBCI provides wholesale funding and/or guarantees to finance providers, which in turn supports the delivery of flexible finance products by those finance providers, (subject to their respective credit approval processes), to businesses. Typically, these products will have longer maturity dates and/or will be priced at a lower cost than may otherwise be available in the Irish credit market. The SBCI also seeks to encourage market access for new entrants to the business lending market, thereby encouraging competition. The SBCI aims to create a more competitive and dynamic environment for funding in the Irish credit market by designing finance products which diversify the types of finance available in Ireland, ultimately supporting economic growth and job creation in Ireland.

Our customers/final beneficiaries

The SBCI’s customers are financial providers, including both banks and non-banks. Final beneficiaries of SBCI funding currently include sole-traders, SMEs and small mid-caps.

Delivering for you

The SBCI is committed to promoting the delivery of lower cost, longer-term, innovative and accessible credit to SMEs and other businesses. Consequently, the SBCI designs products for delivery via financial providers that are available across different business sectors and business sizes (sole-trader to small mid-cap).

The SBCI commits to respond to all queries from interested parties promptly. Such queries may relate to a person's eligibility to avail of SBCI supported funding, for example, the Brexit Loan Scheme.

Our Values


Feedback and Complaints

The SBCI welcomes your feedback which we regularly evaluate to see how we can further improve the services we provide, via financial providers, to businesses.

Feedback, including complaints, can be furnished to the SBCI in several ways - see contact details below.

Further information

For further information on the SBCI’s Customer Service Charter please contact:

Strategic Banking Corporation of Ireland
Treasury Dock
North Wall Quay
Dublin 1
D01 A9T8
Phone: +353 1 238 4000
Email: info@sbci.gov.ie
Website: www.sbci.gov.ie

Approved by

June Butler
Chief Executive Officer
Strategic Banking Corporation of Ireland