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Term Loans to help you every step of the way

Whether it’s to expand your business or keep things ticking over, when the time comes for a loan, we’re here for you. A Business Term Loan helps provide your business with longer-term financial certainty.

Whether you’re seeking financing for expansion purposes, or to help manage cashflow, we have a range of terms available along with competitive interest rates, so be sure to talk to us about your lending needs.

Key Features and Benefits

  • Borrow from €5,000
  • Long and Short term loans – terms available up to 10 years
  • Competitive variable interest rates
  • Range of repayment options to suit your business needs

Note: An upfront facility fee of up to 1% of the loan amount may be charged at the discretion of the bank on Business Term Loans.

Warning: The cost of your repayments may increase.

Warning: If you do not meet the repayments on your credit facility agreement, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit in the future.

Applying for a Business Term Loan

If you are looking to apply for a Business Term Loan, you can call our Business Banking Team on 0818 200 100 or +353 1 215 1363. Find your local branch here.

What you will need

Depending on your Business Banking needs you will need to provide some supporting documentation to us when applying for your Business Term Loan. Click here to find out more.

Processing your application and making an appeal

For more information on how we process your application and how you can appeal credit decisions, visit our Business Lending Support section.

Early redemption of Term Loan

If you wish to make a full or partial redemption of a term loan ahead of the scheduled last repayment date, you can request an early redemption fee in writing from your local branch in advance of redeeming a term loan (in full) early.

Important Information

Lending criteria, terms and conditions apply. Variable interest rates apply and are subject to change. Please see our Terms & Conditions and Personal & Business banking charges booklets for full details. Approval is subject to repayment capacity assessment and other lending criteria. Security may be required, which may incur legal costs for the borrower. Your credit rating with PTSB may also be impacted where you have previously been refused an application for credit with PTSB.

SME Lending application form
Agri Lending application form
Government Support

Business owners will find a range of supports to help manage and grow their business.

Support in financial difficulty guide

This guide provides information on the range of banking supports available to SMEs, both through the recovery, and beyond into the future.

Business Support

Read the Guide for Micro & Small Enterprises and Guarantors: Regulations on Lending to Small & Medium-Sized Enterprises published by the Central Bank of Ireland.

Contact our Business Banking Team

Our dedicated team of Business Banking Managers are available to meet in person, at a customer’s business premises, over the phone, and through our nationwide network of almost 100 branches.


Manage your business funds online with our dedicated online banking for business customers.

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Flexible borrowing for the purchase of your business premises

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