SBCI Lending Scheme Enquiry Form

This form is for business customers impacted by COVID-19, meaning their turnover or profit has decreased or is expected to decrease by 15% or more. 

If your business has been impacted by COVID-19, the COVID-19 Credit Guarantee Scheme is available from us through the SBCI to support your business.

To find out if your business qualifies for the scheme, we need some information from you on this form. Then we will contact you about applying. 

We don’t give recommendations or advice on any particular loan or scheme here but filling out this form will help us decide if this type of loan suits your business needs. This form isn’t the loan application form and you won’t receive a loan just by filling it out. 

We’re here to help so if you need help with this form you can talk to our SBCI Team on 0818 227 058 Monday to Friday from 9am to 5pm.

Depending on the sector and the reasons you are borrowing, you may not meet the SBCI eligibility criteria for this scheme.

This loan is not suitable for:

  • Businesses that employ more than 499 people
  • Borrowing money to buy land or property
  • Financing structural building works or building works requiring planning permission
  • Bridging finance
  • Gambling or betting activities

If you want to borrow for any of those reasons, we can help with that too. Contact your Relationship Manager, your local branch or call our Business Advisor team on 0818 478 833 Monday to Friday from 9am to 5pm.

Are your contact details up to date? If your contact details don’t match what we have, there may be delays to your application. If you are registered for Internet Banking, you can check them in the services and settings menu (you will need a card reader to make changes) or by calling our Customer Service Team on 0818 724 724 (+353 1 771 24 24 from outside Ireland) Monday to Sunday 9am to 5pm.

Unfortunately, we are unable to process your request online at this time, please contact your Local AIB branch to discuss further

The SBCI Schemes cannot be used to borrow funds for land, purchasing property, financing structural building works or building works requiring planning permission, bridging finance, gambling or betting activities

Depending on the sector and purpose you are borrowing for you may not meet the eligibility criteria for certain schemes.

If you have a requirement to borrow for any of the above reasons, contact your RM, your local Branch or call our Business Advisor team on 1890 478 833 for more suitable options. 

Based on your responses the following product(s) may be suitable for your borrowing need. Please review the product(s) information before proceeding.

CGS Term Loan

  • Supporting working capital and investment requirements of businesses to mitigate and recover from the impact of COVID-19.
  •  Supporting certain refinancing requirements to mitigate and recover from the impact of COVID-19.
  • Loan terms of 1 to 5.5 years for amounts from €10,000 up to €1,000,000 are available.
  • Variable interest rate up to 2.75%.
  • You will also be required to pay an additional premium for participating in the Scheme. This premium is based on the term of your loan.
  • This premium will be paid to the Irish Government and collected by us on its behalf.
  • More information available on our website at business.aib.ie/credit-guarantee-scheme

SBCI FGLS Agri Loan

  •  Long-term loan offered by the SBCI for Investment Purposes. 
  • Loan terms of 7-10 years for amounts from €25,000 up to €3,000,000 are available.
  • Variable interest rate from 4.44%.
  • For applications over €250,000 a business plan will be needed to accompany your application form.
  • More information available on our website at business.aib.ie/sbci-future-growth.

SBCI FGLS Business Loan

  • Long-term loan offered by the SBCI for Investment Purposes. 
  • Loan terms of 7-10 years for amounts from €25,000 up to €3,000,000 are available.
  • Variable interest rate from 4.44%.
  • For applications over €250,000 a business plan will be needed to accompany your application form.
  • More information available on our website at business.aib.ie/sbci-future-growth.

SBCI Brexit Loan and COVID-19 Working Capital Loan

  • Funding working capital requirements or to fund innovation, change or adaptation of the business to mitigate the impact of Brexit or COVID-19.
  • Loan Terms of 1-3 years for amounts from €25,000 up to €1,500,000 are available. 
  • Max interest rate of 4.00%
  • A business plan will be needed to accompany your application form.
  • More information available on our website at business.aib.ie/sbcibrexit.

Unfortunately, we are unable to process your request online at this time, please contact your Local AIB branch or call us on 1890 47 88 33.

1. I/WE DECLARE, CONFIRM AND CERTIFY THAT I/WE HAVE READ AND UNDERSTOOD THE RULES OF THE COVID-19 CREDIT GUARANTEE SCHEME SET OUT AT https://dbei.gov.ie/en/What-We-Do/Supports-for-SMEs/Access-to-Finance/SME-Credit-Guarantee-Scheme/.

2. I/WE DECLARE, CONFIRM AND CERTIFY THAT I AM/WE ARE ESTABLISHED IN IRELAND. 

3.1 I /WE DECLARE, CONFIRM AND CERTIFY THAT I AM/WE ARE A MICRO ENTERPRISE OR A SMALL ENTERPRISE (AS DESCRIBED AT https://aib.ie/business/sbci/government-credit-guarantee-scheme.html) ESTABLISHED ON OR AFTER 1 JANUARY 2020.

OR

3.2 IF I AM A MICRO ENTERPRISE OR A SMALL ENTERPRISE (AS DESCRIBED AT https://aib.ie/business/sbci/government-credit-guarantee-scheme.html) WHICH WAS IN FINANCIAL DIFFICULTY ON 31 DECEMBER 2019, I/WE DECLARE, CONFIRM AND CERTIFY THAT AS AT 31 DECEMBER 2019:

a. I WAS/WE WERE NOT SUBJECT TO COLLECTIVE INSOLVENCY PROCEDURES;

b. I/WE HAD NOT RECEIVED RESCUE AID WITHIN THE MEANING OF THE TEMPORARY FRAMEWORK (AS DESCRIBED AT https://aib.ie/business/sbci/government-credit-guarantee-scheme.html) OR TO THE EXTENT THAT I/WE HAD RECEIVED RESCUE AID, I/WE HAD REIMBURSED THE RELEVANT LOAN AND/OR TERMINATED THE RELEVANT GUARANTEE (WHICH CONSTITUTED SUCH RESCUE AID) UPON OR PRIOR TO ENTRY BY ME/US INTO THE RELEVANT QUALIFYING FINANCE AGREEMENT; AND

c. I/WE HAD NOT RECEIVED RESTRUCTURING AID (WITHIN THE MEANING OF THE TEMPORARY FRAMEWORK AS DESCRIBED ABOVE) OR TO THE EXTENT THAT I/WE HAD RECEIVED RESTRUCTURING AID, I/WE WAS/WERE NOT SUBJECT TO A RESTRUCTURING PLAN UPON OR PRIOR TO ENTRY BY ME/US INTO THE RELEVANT QUALIFYING FINANCE AGREEMENT. 

4. IF DECLARATION 3 ABOVE DOES NOT APPLY TO ME/US, I/WE DECLARE, CONFIRM AND CERTIFY THAT ON 31 DECEMBER 2019, I WAS/WE WERE NOT IN FINANCIAL DIFFICULTY (WITHIN THE MEANING SET OUT ABOVE).

5. I/WE DECLARE, CONFIRM AND CERTIFY THAT I/WE CAN RETURN TO VIABILITY IN THE FUTURE.

6. I/WE DECLARE, CONFIRM AND CERTIFY THAT MY/OUR TURNOVER, OR POTENTIAL TURNOVER AND/OR PROFIT HAS BEEN OR WILL BE REDUCED BY A MINIMUM OF 15% (FIFTEEN PER CENT) DUE TO THE IMPACT OF COVID-19.

7. I/WE DECLARE, CONFIRM AND CERTIFY MY/OUR PRINCIPAL BUSINESS ACTIVITY IS NOT WITHIN AN EXCLUDED SECTOR SET OUT AT https://aib.ie/business/sbci/government-credit-guarantee-scheme.html NOR WILL IT BE AT THE TIME I/WE ENTER INTO THE LOAN DOCUMENTATION RELATED TO THIS APPLICATION. 

8. I/WE DECLARE, CONFIRM AND CERTIFY THAT THE CREDIT SOUGHT COMBINED WITH (X) ANY PREVIOUS CREDIT GRANTED TO ME/US (INCLUDING IF RELEVANT ANY COMPANIES THAT FORM PART OF THE SAME CORPORATE GROUP UNDER THE COMPANIES ACT 2014) UNDER THE COVID-19 CREDIT GUARANTEE SCHEME FROM YOU OR ANY OTHER FINANCIAL PROVIDER AND (Y) ANY OTHER LOAN AMOUNT FROM A PUBLIC AGENCY UNDER EITHER SECTION 3.2 OR SECTION 3.3 OF THE TEMPORARY FRAMEWORK (AS DEFINED ABOVE) GRANTED TO ME/US (OR IF RELEVANT MY/OUR GROUP COMPANIES)  IS NOT LESS THAN €10,000 NOR EXCEEDS THE LOWER OF (A) €1 MILLION AND (B) THE HIGHEST OF THE FOLLOWING AMOUNTS:

A. DOUBLE THE BORROWER’S ANNUAL WAGE BILL (INCLUDING SOCIAL CHARGES AS WELL AS THE COST OF PERSONNEL WORKING ON THE BORROWER’S SITE BUT FORMALLY IN THE PAYROLL OF SUBCONTRACTORS) FOR 2019, OR FOR THE LAST YEAR AVAILABLE. IF I/WE ARE CREATED ON OR AFTER 1 JANUARY 2019, I/WE DECLARE, CONFIRM AND CERTIFY THE MAXIMUM LOAN MUST NOT EXCEED THE ESTIMATED ANNUAL WAGE BILL FOR THE FIRST TWO YEARS IN OPERATION; OR  

B. 25% OF THE BORROWER’S TOTAL TURNOVER IN 2019.

9. I/WE UNDERTAKE TO USE THE CREDIT GRANTED UNDER THE COVID-19 CREDIT GUARANTEE SCHEME FOR AN ELIGIBLE PURPOSE UNDER THE SCHEME BEING FOR WORKING CAPITAL AND INVESTMENT PURPOSES.

10. IF I AM/WE ARE PERMITTED TO REFINANCE OUR EXISTING COVID-19 DEBT THEN I/WE DECLARE, CONFIRM AND CERTIFY THAT THE PURPOSE OF REFINANCING SUCH FINANCIAL INDEBTEDNESS INCURRED BY ME/US IS DUE TO THE IMPACT OF COVID 19 ON MY/OUR BUSINESS AND THAT SUCH FINANCIAL INDEBTEDNESS WAS AS A RESULT OF THE IMPACT OF COVID 19 ON MY/OUR BUSINESS. 

11. I/WE DECLARE, CONFIRM AND CERTIFY THAT THE CREDIT NOW SOUGHT COMBINED WITH ANY PREVIOUS CREDIT GRANTED TO ME/US (INCLUDING IF RELEVANT ANY COMPANIES THAT FORM PART OF THE SAME CORPORATE GROUP UNDER THE COMPANIES ACT 2014) WILL NOT BE IN CONTRAVENTION OF THE STATE AID CONDITIONS SET OUT AT https://aib.ie/business/sbci/government-credit-guarantee-scheme.html.

12. I/WE DECLARE, CONFIRM AND CERTIFY THAT THE DOCUMENTS PROVIDED AS PART OF THE APPLICATION FORM WILL INCLUDE AUDITED OR CERTIFIED ACCOUNTS, OR WHERE AUDITED OR CERTIFIED ACCOUNTS ARE NOT AVAILABLE, MANAGEMENT ACCOUNTS FOR MY/OUR BUSINESS.

13. I/WE RECOGNISE THAT IF A FALSE OR MISLEADING DECLARATION IS MADE, OR IF FALSE OR MISLEADING INFORMATION IS PROVIDED WITH THIS DOCUMENT, IT MAY LEAD TO A DEMAND FOR REPAYMENT OF ANY SUMS ADVANCED UNDER THIS SCHEME BY THE FINANCE PROVIDER AND TO ANY STATE AID RECEIVED BEING RECOVERED. 

14. I/WE DECLARE, CONFIRM AND CERTIFY THAT THE INFORMATION PROVIDED IN THIS DOCUMENT IS COMPLETE, TRUE, UP-TO-DATE, NOT MISLEADING AND ACCURATE.

15. WHERE WE ARE NOT AN INDIVIDUAL BORROWER (FOR EXAMPLE A COMPANY, PARTNERSHIP, ASSOCIATION ETC), WE DECLARE, CONFIRM AND CERTIFY THAT WE HAVE THE NECESSARY LEGAL RIGHT, AUTHORITY, POWER AND CAPACITY TO EXECUTE, DELIVER AND COMPLY WITH THE OBLIGATIONS, CONFIRMATIONS, DECLARATIONS, CERTIFICATIONS, UNDERTAKINGS AND OTHER OBLIGATIONS CONTEMPLATED UNDER THIS DOCUMENT ON BEHALF OF THE NON-INDIVIDUAL BORROWER MAKING THIS ENQUIRY IN THIS DOCUMENT. I/WE FURTHER DECLARE, CONFIRM AND CERTIFY THAT I AM/WE ARE ONE OF THE FOLLOWING:  (A) IN THE CASE OF A SOLE TRADER, THE RELEVANT SOLE TRADER (B) IN THE CASE OF A PARTNERSHIP A PARTNER OF SAID PARTNERSHIP OR (C) WHERE I AM/WE ARE NOT A SOLE TRADER OR PARTNERSHIP, A DULY AUTHORISED SIGNATORY ON BEHALF OF THE BORROWER.

Your business was not in financial difficulty on 31 December 2019 OR If you are Micro-Enterprise or a Small Enterprise (as described at https://aib.ie/business/sbci/government-credit-guarantee-scheme.html) your business was in financial difficulty on 31 December 2019 but you declare, confirm and certify you are not subject to any insolvency or restructuring procedures and plans, nor received rescue or restructuring aid unless such aid was repaid. 

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