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 verdict
- Product: Bridging, development finance, asset finance, structured property.
- Ticket band: £100k to £25m+.
- Pricing: Bespoke, quoted at offer.
At a glance
United Trust Bank, 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
Where United Trust Bank is strong
- 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.
Watch-outs, and when another lender may suit better
- 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, 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 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.
FAQ
What can I borrow through United Trust Bank?
United Trust Bank offers bridging, development finance, asset finance, structured property. Ticket range: £100k to £25m+. Typical rate: Bespoke, quoted at offer.
How long does United Trust Bank take to decide?
5 to 14 business days
Who is United Trust Bank the best fit for?
First on the list: Property developers needing bridging or development finance. The full list is under Best fit applicants above.
When might another lender suit better than United Trust Bank?
First on the list: Self-serve unsecured working capital. The other cases are under Where United Trust Bank is the wrong fit above.
Send an enquiry
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Send an enquiry →Official site: United Trust Bank
Last updated: . By Adam Parker. FundBiz is owned and operated by Best Business Loans Ltd, directed by Oliver Mackman.