Moody's Credit Rating - Updated- SBCI

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Green Transition Finance
Flexible lending to support the green and sustainable transition of SMEs and Small Mid-Cap companies.

Home Energy Upgrade Loan Scheme
Affordable, low-cost financing, backed by Government, to help eligible homeowners fund a home retrofit project.

Term Loans
Low-cost flexible term loans dedicated to start-up and micro-enterprises.

Invoice Financing
A working capital facility that provides flexible finance, which can grow in line with your own sales growth.

Leasing and Hire Purchase
Flexible funding schemes, including leasing, hire purchase and rental schemes, for assets including cars and commercial vehicles.

Previous Schemes
Previous SBCI loan schemes which are now closed.
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July 2026 - Moody's publishes an updated credit opinion for the SBCI.

The Aa3 rating of the SBCI and the positive outlook were maintained - The full credit opinion can be read here.