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Small and Medium Enterprises (SMEs)

Many businesses throughout Ireland can face numerous challenges from time to time which can put financial pressure on the day to day operations of a business.

In some cases this can mean cash flow difficulties and where the business has loans or credit facilities, arrears can sometimes arise. If you have a business account with PTSB and are in arrears, or worried that you soon might be, talk to us before a small problem becomes a big one.

PTSB encourages you to get in contact with us as early as possible if you’re concerned. This will give you and PTSB time so we can begin planning a workable solution to your financial difficulties or arrears.

Our booklet Guide for Small to Medium Enterprises facing financial difficulties sets out information about supporting your business if you are in or feel you are facing financial difficulties. Copies are also available in all PTSB branches.

Contacting Us


If you are in or feel you are facing financial difficulties, visit or call your local PTSB branch to make an appointment to speak to one of our advisors. To find the address and contact details for your local branch check out our branch locator.

  • For customers who are in arrears on their loan repayments or who anticipate difficulty in making loan repayments - call 1800 855 010 or +353 21 601 3800 (Lines open Monday to Friday 8.45am - 6pm)

Our postal address is Arrears Support Unit, PTSB, 56-59 St. Stephens Green, Dublin 2.

Warning: Missed payment data will be reported to the Central Credit Register (CCR), as required by law, in the legitimate interests of PTSB and the CCR. This may affect your future ability to borrow.

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