Business Lending Interest Rates
Rates charged on lendings are correct as of 8th July 2025
| Current Business Lending Rates | Interest Rate |
SME Fixed Rate Loan Business Fixed Rate Loan SME Variable Business Loan Business Variable Rate Loan Base Lending Rate Loan1 SBCI Variable Rate Loan1&2 Business Overdraft AA Rate Business Overdraft AAA Rate1 Business / Farmer Credit Line1 Business Sustainability Loan Rate (variable)5 SME Sustainability Loan Rate (variable)5 |
7.45% 7.45% 5.95% 5.95% 2.129% 0.879% 7.85% 2.375% 4.375% 4.95% 4.95% |
| Other Business Lending – not available for new loan facilities | Interest Rate |
Prime1 CoF Rate (UB Standard Calculation & Definition)3 CoF Rate (UB Pre 2012 Calculation & Definition)4 |
2.375% 1.042% 0.000% |
Note 1: Facilities based on this rate are also subject to an agreed interest margin.
Note 2: From 13th of November 2023 to 10th of November 2025, the weekly calculation of the SBCI Variable Interest Rate incorporates a temporary reduction of 1.25%.
Note 3: This interest rate is only applicable to loans purchased from Ulster Bank Ireland DAC. This Cost of Funds rate is calculated based on the contractual definition per the customer facility agreement that transfers to AIB at purchase. Facilities based on this rate are also subject to an agreed margin. This rate is not available for new loan facilities.
Note 4: This interest rate is only applicable to loans purchased from Ulster Bank Ireland DAC and applies to customers impacted by the Ulster Bank Business Lending Interest Rate Review. This Cost of Funds rate is currently set to 0.000% at the Bank's discretion. AIB reserves the right to change this rate in the future. In that event it will be calculated based on the contractual definition per the customer facility agreement that transfers to AIB at purchase. Facilities based on this rate are also subject to an agreed margin. This rate is not available for new loan facilities.
Note 5: These rates are applicable to the Business Sustainability Loan.
