The SBCI Agirculture Cashflow Support Loan scheme is closed to new applications.

SBCI is a Strategic SME financing company, which is partnering with banks and other lending organisations to provide access to flexible funding for Irish SMEs and farmers in the form of:
  • Flexible products with longer maturity and capital repayment options, subject to credit approval
  • Lower cost funding to financial institutions, the benefit of which is passed on to SMEs.
AIB is drawing funds from SBCI and lending to SMEs.

Key features

Farmers can use an SBCI Agriculture Cashflow Support Loan for the following purposes:
  • To meet working capital finance needs for terms between one and six years
  • To replenish cashflow where capital expenditure was previously funded using cash, a current account or an existing working capital facility, such as an overdraft / credit line
  • To refinance existing farm creditors (e.g. merchant credit) or a portion of existing working capital finance.
There are some exclusions such as:
  • New investments in fixed assets and future capital expenditure
  • Refinance of existing term finance e.g. term loan, lease and hire purchase
  • To replenish cashflow where capital expenditure was previously funded using cash, a current account or an existing working capital facility after 31st December 2016
If you need finance for any of the activities that are excluded from the scheme, contact your Relationship Manager, Branch or call 0818 478 833 to find the most suitable product to meet your needs.

SBCI Agriculture Cashflow Support Loan at a glance

  • Interest rate of 2.95% per annum, fixed for the term of the loan
  • Loan terms from 1 to 6 years
  • Loans available to fund working capital
  • Loans are available up to a maximum of €150,000 per farm operation
  • No security will be required for these loans
  • An interest only repayment option may be available at the start of a loan, subject to normal lending criteria

Useful information


We're here to help

Eligible SMEs will receive a confirmation letter from the SBCI with a Customer Eligibility Code (which is valid for 6 months).

Contact your Relationship Manager or call our Direct Business Advisors on 0818 478 833, Mon-Fri 9am-5pm with your Customer Eligibility Code to begin your loan application.

Other resources

SBCI Agriculture Cashflow Support Loan Brochure

SBCI Agriculture Cashflow Support Loan Brochure

Government Credit Guarantee Scheme FAQs

T&C’s Governing Business Lending



Important / Regulatory Information

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


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


AIB will not apply charges if you repay an SBCI Agriculture Cashflow Support Loan early.
Lending Criteria, 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.
It is important to be aware that as part of the application process AIB is obliged to share information about successful applicants with the SBCI. This is primarily to validate eligibility for the scheme but it may also be shared with EU Bodies and State Bodies. This will be done with regard to obligations under data protection legislation. The Department of Agriculture, Food and the Marine (DAFM) and the SBCI may post information on their websites about you the customer, the SBCI scheme and also the loan. If you decide to proceed with this application you consent to the transfer and use of your information in this manner. The SBCI, EU Bodies and State Bodies may also correspond directly with you from time to time.
If you provide false information in relation to your eligibility for the Scheme or the amount of State Aid received, AIB are obliged to share this information with the SBCI who may take further action. This may also result in the termination of your loan facility and a demand for early repayment in full.