Hodge Bank
Cardiff-based specialist bank established in 1962, owned by the Carlyle Trust. Strong on commercial mortgages, semi-commercial property and SME asset finance. PRA-regulated bank with FSCS protection on linked deposit accounts. Broker-distributed; not self-serve.
Quick verdict
- Product: Commercial mortgage + asset finance + bridging.
- Ticket band: £250k to £10m.
- Pricing: From around 7% APR.
At a glance
Hodge Bank, at a glance
- Legal entity
- Julian Hodge Bank Limited
- Companies House
- 00743437
- Ownership checked
- 23 September 2026, against Companies House and published sources
- Founded
- 1962
- Product
- Commercial mortgage + asset finance + bridging
- Ticket range
- £250k to £10m
- Decision time
- 5 to 15 business days
- Ltd-only
- Yes
Where Hodge Bank is strong
- Genuine PRA-regulated bank.
- Long-established sector specialism, especially semi-commercial property.
- Stable funding base independent of fintech wholesale lines.
- Strong on bespoke commercial property structures.
Watch-outs, and when another lender may suit better
- Broker channel dominates; direct application less common.
- Slower than fintech alternatives.
- Pricing only revealed at offer for most products.
Best fit applicants
- Commercial property Ltd companies
- £500k to £5m mortgage tickets
- Asset finance for established SMEs
Where Hodge Bank is the wrong fit
- Self-serve unsecured cases
- Sub-£250k tickets
- Sole traders
If declined by Hodge Bank
If your application to Hodge Bank 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 Hodge Bank
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 Hodge Bank?
Hodge Bank offers commercial mortgage + asset finance + bridging. Ticket range: £250k to £10m. Typical rate: From around 7% APR.
How long does Hodge Bank take to decide?
5 to 15 business days
Who is Hodge Bank the best fit for?
First on the list: Commercial property Ltd companies. The full list is under Best fit applicants above.
When might another lender suit better than Hodge Bank?
First on the list: Self-serve unsecured cases. The other cases are under Where Hodge Bank is the wrong fit above.
Send an enquiry
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Send an enquiry →Official site: Hodge Bank
Last updated: . By Adam Parker. FundBiz is owned and operated by Best Business Loans Ltd, directed by Oliver Mackman.