Arbuthnot Latham
London-headquartered private bank with a serious commercial-lending arm covering owner-managed businesses, professional practices and real estate. Banking and lending sit on the same balance sheet, which suits clients who want their main bank account, treasury and term debt with one counterparty. Specialist Finance subsidiary handles bridging.
Quick routing verdict
- Product: Private bank commercial lending.
- Ticket band: £1m to £25m.
- Decision time: 2 to 6 weeks.
- Pricing: Quoted at offer.
- FCA-authorised.
At a glance
- Legal entity
- Arbuthnot Latham & Co., Limited
- Companies House
- 00819519
- Founded
- 1833
- Product
- Private bank commercial lending
- Ticket range
- £1m to £25m
- Decision time
- 2 to 6 weeks
- Ltd-only
- Yes (FundBiz routes Ltd / LLP / partnerships of 4+ only regardless)
- Last reviewed
- 2026-05-08
Why we route here
- Genuine PRA-regulated UK bank with FSCS deposit protection.
- Relationship-banking model: dedicated banker on every case.
- Strong on professional practices, owner-managed business and SPV structures.
- Banking, lending and wealth integrated under one roof.
When we route elsewhere
- Minimum ticket size and onboarding bar are high.
- No self-serve product; relationship-led only.
- Slower decisions than challenger banks.
Best fit applicants
- Owner-managed businesses £2m+
- Professional practices
- Property investor SPVs
Where Arbuthnot Latham is the wrong fit
- Sub-£1m tickets
- Speed-sensitive cases
- Sole traders
If declined by Arbuthnot Latham
If your application to Arbuthnot Latham is declined, the FundBiz post-decline matcher routes by decline reason. Common alternatives in our panel are listed in the "When we route elsewhere" section above. See also our Arbuthnot Latham decline runbook for sector-specific routing detail.
Other panel lenders
- 365 Business Finance, Merchant cash advance
- Aldermore, Asset finance, invoice finance, commercial mortgages
- Allica Bank, SME term loan + commercial mortgage
- Bizcap, Specialist post-decline / fast cash
How we rate Arbuthnot Latham
This review is FundBiz's own editorial assessment, scored against a published framework. See our methodology for how we rate each lender.
Run the matcher
Tell us your turnover, sector and ticket size. We score against Arbuthnot Latham and the wider FundBiz panel, then surface the lenders most likely to approve. Limited companies, LLPs and partnerships of 4+ only.
Open matcher →Last reviewed: 2026-05-08. By Oliver Mackman.