The success of your business is as important to us as it is to you. Local businesses provides local incomes which are good for everyone in the community.
We now offer unsecured loans up to €100,000 and secured loans up to €300,000 with flexible repayment terms and free* loan protection insurance. To avail of a Business Loan, the purpose of the loan must be non-personal, and must be for a business, trade or profession purpose. SME Business Loans are not available for buy to let property purchase.
Business plans are required for loan requests greater than €25,000.
Free loan protection insurance. T&C’s Apply
No penalties for early or lump-sum repayments
No minimum savings or membership period required
Borrow up to €300,000
Repayment terms up to 20 years, depending on amount borrowed
Representative example
Fair pricing from your local credit union!
SME Business Unsecured Loan
- Amount: €75,000
- Loan Rate: 6.55% (APR 6.75%)
- Loan Term: 10 years (120 months)
- Monthly repayment: €853.64
- Total cost: €27,430.22
- Total amount: €102,430.22
SME Business Secured Loan
- Amount: €200,000
- Loan Rate: 5.25% (APR 5.38%)
- Loan Term: 15 years (180 months)
- Monthly repayment: €1,607.95
- Total cost: €89,412.30
- Total amount: €289,412.30
Examples correct as at 02/04/2026
How do I apply?
What you need to avail of our incredible offers.
Because of the typical transaction size, we are available by appointment to meet you to discuss your SME Business Loan proposal in any of our offices in Achill, Balla, Ballyhaunis, Castlebar, Kiltimagh or Swinford. Please contact a member of our lending team on 094 9022969 or email loans@fccu.ie.
Ready to apply?
Please note: You must be at least 18 years old to apply for a loan.
Have questions or need assistance?
Email: loans@fccu.ie
Call: 094 902 2969
