Rating based on 16 reviews

NI Small Business Loans


  • Business Loans up to £100,000
  • Low-interest starting from 15.6%
  • Repayment up to 5 years

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NI Small Business Loans homepage

Author NI Small Business Loans. Screenshot of NI Small Business Loans website. [Accessed May 15, 2020]

About NI Small Business Loans

We’re here to help you grow your business by offering you access to business finance.

Funding is part of Invest NI’s is delivered in partnership with Enterprise Northern Ireland Ltd and Ulster Community Investment Trust Ltd. You are able to apply for a loan between £10K and £100K for a small business in Northern Ireland.

Apply for one of our small business loans

If you want to start up a business, for the expansion or growth of your business, a working capital, product or market development, match funding or new asset purchases. We are a registered charity and all profits that are generated are retained and recycled so that clients can benefit from this.

We continue to grow

Ever since the drawdown of UCIT’s very first financing in 2001, we have assisted over 400 third sector businesses with loan obligations of estimation well over £60 million.

£51m worth of long and short term loans was permitted between 2001 and 2016 in Northern Ireland and €22m of loans were authorised between 2007 and 2016 in the Republic of Ireland.

NI Small Business Loans Services

Since our establishment, UCIT has been able to provide loan support to a wide range of third-party institutes.

These include community associations, charities, sporting clubs, green energy, and faith-based organisations, enterprise agencies, arts and social housing schemes.

This is how it works:

The first step would be is to submit your enquiry. Speak to your loan executive advising your interest and what your loan requirements are and we will be in contact to discuss your loan in detail. And once we’ve assessed your online loan application and you’re approved you’ll have your business loan paid to you in no time.

We have a unique service for businesses

Ni Small Business fund offered a new and unique proposition in the marketplace and we are thrilled to say that it has been a huge success thus far. Since we started offering business loans we have the benefit of being able to look back at a lot of the projects that businesses tailed which brought about noticeable benefits for their commerce. A finance gap in the market for SMEs is currently being covered and our aim is to exceed and sustain this provision over the years to come!

NI Small Business Loans Product Details

  • Loan Type Business Loans
  • Interest Rate from 15.6%
  • Loan Amount up to £100,000
  • Repayment 1 year to 5 years

Benefits of NI Small Business Loans

  • Get instant access to business finance
  • Conveniently apply online
  • Fund your business with effective finance

For fast loan application and instant loan approval, apply with BCRS today!

We understand that applying for business loans through traditional sources can be somewhat exhausting.

So you’ll be pleased to know that NI Small Business Loan fund doubled the lending limit from £50,000 and can now provide loans up to £100,000 but there is potentially a chance that you could borrow up to £8million for local SMEs, this will assist them to grow and also to create jobs.

Apply for your loan today as a sole trader’s partnership or small businesses. A start-up enterprise can attain initial quick loans up to £15,000. We encourage small businesses with genuine funding need to contact us so that we can see how we can be of assistance to fund their ambitious business proposal.

Ulster Community Finance Ltd is part of NI Small Business Loans

A loan fund that’s created in support of small business that has provided more than £6m in new loans from the time it was launched and NI Small Business Loans has created more than 150 new jobs and added sales of nearly £30m. Ulster Community Finance manages the fund on behalf of NI Business

The fund was set up so that we could provide finance for small businesses, partnerships and sole traders who kept to developing their business but found it difficult to access financing through traditional banks.

Northern Ireland has the best leading attentiveness of SMEs in the UK and we account for 99% of our private sector.  Making sure that these companies have sufficient access to finance, which is essential for the welfare of the economy.

Our clients are ambitious and together with growth-orientated companies that represent substantial levels of employment-creating prosperity. And NI Business Loan funding strive to continue to make important differences in ways of improving business and self-reliance and also to ensure that SMEs have access to the different finance needs in order to support growth and development.

We are overjoyed that we have been able to offer our services and support

Having presented our support to a wide range of businesses across Northern Ireland in divisions that include tourism, hospitality, manufacturing, IT and retail once again assisting us to create jobs and new products being able to market and assist businesses realise their growth-ambitions.

The Fund offers online loans of up to £50,000 to start-ups, small businesses and micro-enterprises.  As a revolving investment, it’s generally expected that an amount in excess of £7m will be made obtainable over the course of the fund’s lifecycle.

Loan commitments have been focused on projects that make essential contributions to the financial, corporal and social wellbeing of local societies. In numerous (possibly most) of these projects could not have been imaginable without the professional but flexible approach embraced by the trust in its lending tactics.

We invite you to contact us for your business loan and look forward to building a long-term relationship with you, give us a call today and get your business off the ground!

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NI Small Business Loans is a trusted & reliable provider of business loans

In our review, NI Small Business Loans adheres to the compliance criteria in accordance with the Financial Conduct Authority, where the granting the loan will not cause financial distress to the consumer.

NI Small Business Loans is a registered credit provider in the UK; FCA number 825442

Customer Reviews & Testimonials

My business needed a capital injection and I was able to get just that without having insane rates and fees added on.

Benjamin S
— Birmingham —

Wonderful consultants who are eager to assist where they can. The affordable costs, fees, and easy repayments were a definite selling point too!

Iris Walters
— Manchester —

NI Small Business Loans Contact Details

Physical Address

Postal Address

  • PO Box 40, Limavady, BT49 4AJ, UK

Opening Hours

  • not available