Business Loans & Overdrafts in your own time

It’s easy to apply online for a Business Loan or Overdraft. Going online through AIB Small Business Internet Banking is secure and it’s a lot quicker. In 2020, 73% of applications got a decision instantly and 40% had the money in their account in less than half an hour.

Here is how it works

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Step 1

Login to Internet Banking, click Borrow Business and answer a few simple questions about your business needs.

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Step 2

Select the best solution for your business by using our sutability checker. If that's a loan or overdraft, continue with your online application for a quick decision.

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Step 3

If we approve your application, you can review and accept the terms and conditions by electronic signature and have the money in your account within minutes.

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Apply online via Internet Banking

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Register for Internet Banking

Apply, sign and get your funds:

  • For Business Loans and Overdrafts from €2,000 to €60,000.
  • Available to AIB sole trader, partnership businesses and farming customers operating for at least 15 months and registered for Small Business Internet Banking.

If another lending product is more suitable for your banking needs you can talk to us over the phone 0818 47 88 33 (Mon – Fri 9am to 5pm) or in branch.

Step by step video guides

Sole Application

Sole Application

Joint applicant

Joint applicant

For more product information on AIB Business Loans or AIB Business Overdrafts, check out our pages below:

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AIB Business Loans

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AIB Business Overdrafts

Regulatory notice

Lending criteria, terms and conditions apply. Allied Irish Banks, p.l.c. is regulated by the Central Bank of Ireland.

WARNING: You may have to pay charges if you repay early, in full or in part, a fixed rate credit facility.

However AIB will not apply charges if you repay this €0 to €60k SME Fixed Loan early.

WARNING: The entire amount that you have borrowed will still be outstanding at the end of the interest only period


WARNING: The cost of your repayments may increase.