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 don't fit. Broker-distributed.
Quick verdict
- Product: Commercial finance + asset finance + invoice finance.
- Ticket band: £50k to £25m.
- Pricing: Bespoke.
At a glance
Secure Trust Bank, at a glance
- Legal entity
- Secure Trust Bank plc
- Companies House
- 00541132
- Ownership checked
- 23 September 2026, against Companies House and published sources
- Founded
- 1954
- Product
- Commercial finance + asset finance + invoice finance
- Ticket range
- £50k to £25m
- Decision time
- 5 to 15 business days
- Ltd-only
- Yes
Where Secure Trust Bank is strong
- PRA-regulated bank, listed on the London Stock Exchange, stable funding base.
- Combined IF, ABL and asset-finance under one bank.
- Established broker channel with sector teams.
- FSCS protection on linked deposit accounts.
Watch-outs, and when another lender may suit better
- 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, 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 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.
FAQ
What can I borrow through Secure Trust Bank?
Secure Trust Bank offers commercial finance + asset finance + invoice finance. Ticket range: £50k to £25m. Typical rate: Bespoke.
How long does Secure Trust Bank take to decide?
5 to 15 business days
Who is Secure Trust Bank the best fit for?
First on the list: Mid-market Ltd companies. The full list is under Best fit applicants above.
When might another lender suit better than Secure Trust Bank?
First on the list: Self-serve sub-£100k tickets. The other cases are under Where Secure Trust Bank 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: Secure Trust Bank
Last updated: . By Adam Parker. FundBiz is owned and operated by Best Business Loans Ltd, directed by Oliver Mackman.