Lombard
NatWest Group's asset finance arm, describing itself as the UK's largest asset finance provider by volume, with a brand history NatWest traces back over a century (see foundedYear above). We route established Ltd companies here for larger plant, vehicle and equipment finance where a bank-grade balance sheet and a stable, well-documented business matter more than speed. Not a post-decline or fintech-speed route; expect a full corporate underwriting process.
Quick routing verdict
- Product: Asset finance.
- Ticket band: No published minimum; institutional-scale mid-market and larger tickets.
- Decision time: Days to weeks, corporate credit process.
- Pricing: Not published; quoted case by case.
At a glance
Lombard, at a glance
- Legal entity
- Lombard North Central PLC
- Companies House
- 00337004
- Product
- Asset finance
- Ticket range
- No published minimum; institutional-scale mid-market and larger tickets
- Decision time
- Days to weeks, corporate credit process
- Ltd-only
- Lender accepts other structures, FundBiz routing is Ltd-only
- Last reviewed
- 2026-09-01
Why we route here
- Scale and sector depth few independents can match, backed by NatWest Group balance sheet.
- Broad asset coverage: plant, vehicles, technology, agriculture and specialist equipment.
- A named relationship manager rather than an app-only process, useful for complex or repeat deals.
When we route elsewhere
- No published rates or ticket floor; everything is quoted case by case, so a soft-search comparison is not possible here.
- A bank-standard credit process, so decisions run to days or weeks, not hours.
- Not a fit for recent-incorporation or adverse-credit applicants; this is a mainstream, not a specialist post-decline, lender.
Best fit applicants
- Established Ltd companies with a clean credit history needing mid-market or larger asset finance
- Applicants who value an institutional lender over fintech speed
Where Lombard is the wrong fit
- Post-decline or adverse-credit applicants, route to a specialist MCA or asset-refinance lender instead
- Small tickets or same-week funding needs
If declined by Lombard
If your application to Lombard 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 guide to why lenders decline, matched by reason.
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 Lombard
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 Lombard?
Lombard offers asset finance. Ticket range: No published minimum; institutional-scale mid-market and larger tickets. Typical rate: Not published; quoted case by case.
How long does Lombard take to decide?
Days to weeks, corporate credit process
Who is Lombard the best fit for?
Established Ltd companies with a clean credit history needing mid-market or larger asset finance Applicants who value an institutional lender over fintech speed
When would FundBiz route you away from Lombard?
Post-decline or adverse-credit applicants, route to a specialist MCA or asset-refinance lender instead Small tickets or same-week funding needs
Run the matcher
Tell us your turnover, sector and ticket size. We score against Lombard and the wider FundBiz panel, then surface the lenders most likely to approve. Limited companies, LLPs and partnerships of 4+ only.
Open matcher →Official site: Lombard
Last reviewed: 2026-09-01. By Adam Parker. Reviewed by Oliver Mackman.