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 routing verdict

  • Product: Corporate banking + asset finance + commercial property.
  • Ticket band: £500k to £50m+.
  • Decision time: 2 to 6 weeks.
  • Pricing: Bespoke.
  • FCA-authorised.

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 (FundBiz routes Ltd / LLP / partnerships of 4+ only regardless)
Last reviewed
2026-05-08

Why we route here

  • 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.

When we route elsewhere

  • 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, 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 Investec decline runbook for sector-specific routing detail.

Other panel lenders

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.

Run the matcher

Tell us your turnover, sector and ticket size. We score against Investec 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.

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