Prepare for business expenses

A credit line gives you financial support when you need it most. Cover larger business expenses with credit that you can pay off any time in the year, so your current account and working capital aren't impacted. A credit line is an annual facility and must maintain a nil or credit balance for at least 30 days a year.

Easy to manage

Simply move money from your credit line to your current account as you need it. Moving your money is easy to do online, in branch or by telephone, and you won't be charged any transaction costs.

Save on interest

Get a competitive variable interest rate. Your interest is based only on the outstanding balance of your account, making it cheaper for you than many overdraft options.

Reviewed with you yearly

Your business needs may change from year to year. That's why we review your credit line annually to make sure it still suits you.

Credit Line at a glance

  • Cover future planned expenses
  • Competitive variable interest rates
  • Works alongside your current account
  • Pay off your credit line any time in the year
  • Reviewed annually
  • Suitable for all business types

How to apply

Download the application form and return the completed form to your Relationship Manager or AIB Branch.

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Regulatory notice

Warning: The cost of your repayments may increase.


Lending terms and conditions apply. Credit facilities are subject to repayment capacity and financial status and are not available to persons under 18 years of age. Security may be required.

Terms and conditions governing Business Lending