United Trust Bank

PRA-authorised UK specialist bank with deep heritage in bridging, development finance, asset finance and structured property lending. Original entity dates to 1955; rebranded as United Trust Bank in 2003. Broker-distributed across the property and SME finance markets. Sweet spot is £250k to £10m bridging and development.

Quick routing verdict

  • Product: Bridging, development finance, asset finance, structured property.
  • Ticket band: £100k to £25m+.
  • Decision time: 5 to 14 business days.
  • Pricing: Bespoke, quoted at offer.
  • FCA-authorised.

At a glance

Legal entity
United Trust Bank Limited
Companies House
00549690
Founded
1955
Product
Bridging, development finance, asset finance, structured property
Ticket range
£100k to £25m+
Decision time
5 to 14 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 specialist bank with multi-decade property finance track record.
  • Strong reputation in broker market for bridging and development.
  • Genuine in-house credit team; cases progress with a named underwriter.
  • Broad asset finance book covering plant, vehicles and specialist equipment.

When we route elsewhere

  • Broker-distributed only; no self-serve borrower journey.
  • Pricing is bespoke; no headline APR.
  • Engagement below £100k unlikely outside existing relationships.
  • Hard credit search at full application.

Best fit applicants

  • Property developers needing bridging or development finance
  • Asset-backed SME deals £250k+
  • Broker-introduced commercial property cases

Where United Trust Bank is the wrong fit

  • Self-serve unsecured working capital
  • Sole traders
  • Sub-£100k tickets

If declined by United Trust Bank

If your application to United 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 United Trust Bank decline runbook for sector-specific routing detail.

Other panel lenders

How we rate United 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 United Trust Bank and the wider FundBiz panel, then surface the lenders most likely to approve. Limited companies, LLPs and partnerships of 4+ only.

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Last reviewed: 2026-05-08. By Oliver Mackman.

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Soft credit search · Decision in 24-72 hours · Limited companies, LLPs and partnerships of 4+