Source: Government of Ireland
Notes to Editors
Access to finance is critical for SMEs, supporting investment, innovation and employment growth across the Irish economy.
The Department of Finance oversees two bodies that support SME access to finance: the Strategic Banking Corporation of Ireland (SBCI), which supports the supply of finance, and the Credit Review Service, which assists SMEs whose applications for bank lending have been declined.
The Strategic Banking Corporation of Ireland delivers financial supports to Irish SMEs through banks, credit unions and non-bank lenders. Since commencing operations in 2015, and up to the end of December 2025, the SBCI has delivered approximately €4.7 billion in financial supports to more than 65,000 SME and farm borrowers.
The Credit Review Service reviews cases where credit has been refused to viable SMEs, sole traders and farmers. The Service has supported almost 60% of businesses and farms that appealed lending decisions, resulting in more than €86 million in additional credit being approved.
The Credit Review Service also provides regular reporting to Department of Finance officials on lending trends, engages with banks and representative bodies, operates a helpline for SMEs seeking assistance in resolving disputes with lenders, and publishes guidance for businesses seeking credit. Legislation was recently enacted to place the Service on a standalone statutory footing, enabling it to continue its important work.