Hampshire Trust Bank
PRA-authorised UK specialist bank covering asset finance, commercial mortgages, bridging and specialist development finance. Established 1977 (relaunched as HTB 2014). Broker-distributed and relationship-led. Strong on asset-backed and property-backed deals where mainstream banks decline on covenant rather than credit.
Quick routing verdict
- Product: Asset finance, commercial mortgages, bridging, development finance.
- Ticket band: £25k to £25m+.
- Decision time: 5 to 15 business days.
- Pricing: Bespoke, quoted at offer.
- FCA-authorised.
At a glance
- Legal entity
- Hampshire Trust Bank plc
- Companies House
- 01311315
- Founded
- 1977
- Product
- Asset finance, commercial mortgages, bridging, development finance
- Ticket range
- £25k to £25m+
- Decision time
- 5 to 15 business days
- 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; FSCS deposit protection on linked savings.
- Multiple specialist product lines under one underwriter.
- Real human credit team attached to each case.
- Strong record on bridging and development finance for SME developers.
When we route elsewhere
- Broker-distributed; not self-serve.
- Headline rates not published.
- Slower than fintech alternatives.
- Engagement below £25k unlikely.
Best fit applicants
- Asset-backed and property-backed deals
- SME developers and commercial landlords
- Broker-introduced cases £150k+
Where Hampshire Trust Bank is the wrong fit
- Self-serve sub-£25k
- Unsecured working capital
- Sole traders
If declined by Hampshire Trust Bank
If your application to Hampshire Trust Bank 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 Hampshire Trust Bank 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 Hampshire Trust Bank
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 Hampshire Trust Bank 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.