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We’re a business bank built on people, great products and knowledge.

We look at every business from a different perspective, because every business we work with is different. Our people know business.  We have built a business team that knows the Northern Ireland marketplace better than any other. Our passion, drive and enthusiasm to help our customers thrive is the linchpin of our business offering. We understand the value of building customer relationships and work hard at every level to make this happen.

Whether you’re a start-up or more established business, you need a bank that understands what your goals are; a bank that can help you achieve those goals.

Essentials for Business package has been specifically designed to offer you the finance products and services you need together with preferential access to valuable business advice:

• Fee free current account for 2 years

• Unsecured lending up to £50,000*

• Secured lending up to £250,000 for all customers**

• Access to partner privileges

^{* Overdraft and loan borrowing up to £30,000 for start ups and up to £50,000 for businesses established more than 2 years.}

^{** Subject to normal lending criteria.}

 

Day-to-Day Banking

We have a range of products and services that will give you the control and flexibility to manage your day-to-day business and cash flow requirements.

Business Current Account

Bank of Ireland’s Business Current Account is geared towards helping you manage your cash flow, and has been set up to be straight-forward, simple to understand and easy to use. With the current account you will benefit from:

• Fee free current account for 2 years

• Unsecured overdraft and loan facility*

• Business cash card providing you with 24 hour access to cash through any ATM

• Access to lodgement and withdrawal facilities through any Post Office®.

^{*Overdraft interest will apply, see our rates and products guide for current rate. An overdraft arrangement fee will also be charged, see our schedule of charges for business customers for current fee.}

Business On Line Level 1

Our Internet Business On Line banking facility allows you to control your accounts online at a time which suits you with no subscription charge for the first 2 years.

Business Savings Accounts

With competitive deposit rates from Bank of Ireland we can help you manage your money so your surplus cash works harder for you and your business.

Visa Business Cards

We will not charge you fees for your Visa card for your first year. Our Visa Business Card can help reduce your business expenses and speed up the process of paying bills.

Visa Business Card is solely for business transactions.

Electronic Card Payment Services

Through Elavon, we provide you with the very latest Card Payment Processing, which makes it easy to collect payments online from your customers, helping you manage your cash flow.

 

Finance and Borrowing

Your Relationship Manager will work closely with you to identify and access the right finance and borrowing solutions.

Term Loans / Overdrafts

Should you require, we have unsecured or secured Business Term Loans and Overdrafts at competitive rates that can help you fulfil your long-term goals and manage cash flow.

All lending facilities are subject to the Bank’s lending conditions. Applicants must be 18 years or over. Terms and conditions apply.

EnterpriseFinance Guarantee

Under the Enterprise Finance Guarantee, the Government will guarantee lending to viable businesses to ensure that they can get the working capital and investment that they need. Talk to our advisers to find out more, or visit www.berr.gov.uk.

Asset Finance

A tax effective way of financing that is fee free in the first year, allowing you to purchase any essential equipment you might need.

Insurance Premium Finance

Use this service to spread the cost of commercial insurance premiums from 6 months to 12 months, giving your business the financial breathing space to grow.

Invoice Finance

We understand the importance of securing sales and managing cash flow and issues involved in maximising business funding. We offer tailored working capital solutions designed to allow you to focus on securing new business and gaining improved terms from your suppliers.

The provision of Commercial Finance facilities is subject to Bank of Ireland’s normal lending criteria and remains at its sole discretion. Information on the features of our Commercial Finance service and our terms and conditions are available on request. Commercial Finance is a trading name of Bank of Ireland incorporated in Ireland with limited liability.

 

 

Additional Support

At Bank of Ireland, we go that extra mile to bring you additional services and support to enable you to focus on building a better business and grow into new markets.

Bank of Ireland Financial Services

Good financial advice from an experienced, well informed adviser can help you save money, secure your future and offer peace of mind. We have a team of Financial Advisers who are on hand to give you impartial, whole of market advice about a range of financial products, such as family and business insurance, investment advice and pension planning, which are tailored to your business and personal requirements.

Bank of Ireland Financial Services is a trading name of Bank of Ireland Trustee Co. Ltd which is authorised and regulated by the Financial Services Authority. Registered in England at 36 Queen Street, London EC4B 1BN. Registered No 385057.

Global Expertise

If you want to reach into Global Markets, we offer free consultation on a wide range of International import / export banking. We focus on competitive pricing and first-class service. Our clients appreciate the flexibility and fast response we provide, which helps them to manage their businesses more effectively. Working in partnership, we will help you to stay focused on your business while we take care of your treasury and risk management needs.

Partner Privileges

We have hand-picked a select group of businesses to partner us, offering you access to valuable discounts, support and expert advice*. Whether you are looking for telecommunications solutions, need business insurance, business legislation advice, accounts software or fleet hire, or would like a website for all the world to see, you’ll find a great selection of services from some of the UK’s leading companies. Just read through our ‘Partner Privileges’ leaflets to find out more.

^{*Terms and Conditions apply.}

 

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