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 verdict
- Product: Private bank commercial lending.
- Ticket band: £1m to £25m.
- Pricing: Quoted at offer.
At a glance
Arbuthnot Latham, 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
Where Arbuthnot Latham is strong
- 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.
Watch-outs, and when another lender may suit better
- 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, ask the lender for the reason in writing. Some alternatives are named in the watch-outs section above. See also our guide to why lenders decline, by reason.
Other lenders we list
- 365 Business Finance, Merchant cash advance (revenue-based finance)
- Aldermore, Asset finance, invoice finance, commercial mortgages
- Allica Bank, SME term loan, asset finance + 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.
FAQ
What can I borrow through Arbuthnot Latham?
Arbuthnot Latham offers private bank commercial lending. Ticket range: £1m to £25m. Typical rate: Quoted at offer.
How long does Arbuthnot Latham take to decide?
2 to 6 weeks
Who is Arbuthnot Latham the best fit for?
First on the list: Owner-managed businesses £2m+. The full list is under Best fit applicants above.
When might another lender suit better than Arbuthnot Latham?
First on the list: Sub-£1m tickets. The other cases are under Where Arbuthnot Latham is the wrong fit above.
Send an enquiry
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Send an enquiry →Official site: Arbuthnot Latham
Last updated: . By Adam Parker. FundBiz is owned and operated by Best Business Loans Ltd, directed by Oliver Mackman.