Eligibility criteria guidelines for SBCI lending products

As a financial lending adviser, I would like to bring to your attention the new lending products available from the strategic banking corporation of Ireland(SBCI)

The loans will be made through SBCI lending partners , AIB and Bank of Ireland.

The eligibility criteria guidelines for the SME market are;


  • Lower interest rates.
  • Available for both investment and working capital purposes.
  • Minimum loan maturity of 2 years.
  • Loan amounts up to €5m.
  • There may be flexibility in repayment schedule and on loan maturity of up to 10 years, but this is subject to the credit policies of AIB and Bank of Ireland.


  • Employs less than 250 employees.
  • Has an annual turnover not exceeding €50m , and /or an annual balance sheet total not exceeding €43m.
  • Independent , autonomous entity, i.e. not part of a wider group.
  • Less than 25% of capital /voting rights held by public bodies.
  • Significant presence in Ireland.


  • Purchase of machinery and equipment.
  • Purchase of Business Premises( for own use)
  • Working capital and stocking loan.
  • Refinancing the loans of banks who have exited or are exiting the Irish market.


I hope this gives you a summary of the main criteria and full details can be got on the Strategic Banking Corporation of Ireland (SBCI) website

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