Secure Trust Bank
Solihull-based specialist UK bank, listed on the LSE main market. SME lending sits across commercial finance, asset finance and invoice finance. Sweet spot is mid-market IF and ABL deals where mainstream high-street rules do not fit. Broker-distributed.
Quick routing verdict
- Product: Commercial finance + asset finance + invoice finance.
- Ticket band: £50k to £25m.
- Decision time: 5 to 15 business days.
- Pricing: Bespoke.
- FCA-authorised.
At a glance
- Legal entity
- Secure Trust Bank plc
- Companies House
- 00541132
- Founded
- 1954
- Product
- Commercial finance + asset finance + invoice finance
- Ticket range
- £50k 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
- PRA-regulated bank, listed parent, stable funding base.
- Combined IF, ABL and asset-finance under one bank.
- Established broker channel with sector teams.
- FSCS protection on linked deposit accounts.
When we route elsewhere
- Broker-distributed; direct application uncommon.
- Pricing only revealed at offer.
- Slower than fintech alternatives.
Best fit applicants
- Mid-market Ltd companies
- Invoice finance and ABL £250k+
- Asset finance for established SMEs
Where Secure Trust Bank is the wrong fit
- Self-serve sub-£100k tickets
- Sole traders
- Speed-prioritised cases
If declined by Secure Trust Bank
If your application to Secure 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 Secure 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 Secure 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 Secure 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.