Investec
UK private and corporate bank serving the upper-mid-market and HNW segments. Business lending sits inside a relationship-banker model rather than a self-serve product. Strong on bespoke working-capital lines, asset finance and commercial property for established Ltd companies with £5m+ turnover.
Quick verdict
- Product: Corporate banking + asset finance + commercial property.
- Ticket band: £500k to £50m+.
- Pricing: Bespoke.
At a glance
Investec, at a glance
- Legal entity
- Investec Bank plc
- Companies House
- 00489604
- Founded
- 1950
- Product
- Corporate banking + asset finance + commercial property
- Ticket range
- £500k to £50m+
- Decision time
- 2 to 6 weeks
- Ltd-only
- Yes
Where Investec is strong
- Genuine relationship-banker model with sector teams.
- Strong on £1m+ bespoke deals.
- Wider banking platform (deposits, FX, treasury) attached to lending.
- PRA-regulated; FSCS protection on linked accounts.
Watch-outs, and when another lender may suit better
- Long underwriting cycle vs fintech alternatives.
- Not self-serve; direct relationship required.
- Below £500k not the focus.
Best fit applicants
- Established Ltd companies with £5m+ turnover
- Bespoke £1m+ tickets
- Borrowers wanting a banker relationship
Where Investec is the wrong fit
- Sub-£500k tickets
- Self-serve fast cash
- Newer businesses
If declined by Investec
If your application to Investec 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 Investec
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 Investec?
Investec offers corporate banking + asset finance + commercial property. Ticket range: £500k to £50m+. Typical rate: Bespoke.
How long does Investec take to decide?
2 to 6 weeks
Who is Investec the best fit for?
First on the list: Established Ltd companies with £5m+ turnover. The full list is under Best fit applicants above.
When might another lender suit better than Investec?
First on the list: Sub-£500k tickets. The other cases are under Where Investec is the wrong fit above.
Send an enquiry
Tell us what you need in 2 minutes. FundBiz is not a lender and does not run a credit check. We pass your enquiry to a business finance broker, who will contact you about your options. For limited companies, LLPs and partnerships with four or more partners.
Send an enquiry →Official site: Investec
Last updated: . By Adam Parker. FundBiz is owned and operated by Best Business Loans Ltd, directed by Oliver Mackman.