Metro Bank, registered as Metro Bank PLC under Companies House number 06419578, established itself as the UK's first new high-street bank in over 100 years. The institution provides independent UK business, commercial, retail, and private banking services designed to assist companies with simple borrowing solutions. Understanding the range of commercial credit, loan, asset, and invoice financing options available through high-street providers can help you select the most appropriate capital structure for your company's operational needs.
Business Funding Products Offered
Metro Bank (Business) provides a diverse portfolio of financial facilities to suit various commercial requirements. For general funding, the bank offers standard business loans designed to support day-to-day growth and capital projects. Larger commercial loans ranging from over £60,000 up to £25,000,000 are available on a bespoke basis specifically for commercial account customers.
For organisations seeking to invest in equipment, machinery, or vehicles, Metro Bank provides asset finance, hire purchase, and finance lease agreements. Businesses wishing to unlock equity from physical assets already owned can utilise asset refinance or sale and leaseback arrangements.
To support ongoing operational cash flow, Metro Bank delivers invoice finance, revolving credit lines, trade finance, stock finance, and supply chain finance options. The bank also offers business credit cards for managing regular expenditure.
Who Does Metro Bank (Business) Suit?
Metro Bank caters to a broad range of UK enterprises requiring simple borrowing solutions and specialist sector support. The bank has established specialisms across several key industries, allowing tailored assistance depending on the nature of the firm.
Key sectors and areas of focus include:
- Agriculture
- Bus and Coach Transport
- Classic and Prestige Cars
- Construction and Invoice Finance
- Corporate Transport
- Engineering
- Healthcare
- Manufacturing
- SME Loans and Overdrafts
- Trade and Manufacturing Cashflow
Key Features, Eligibility, and Deal Sizes
When evaluating business borrowing with Metro Bank, companies should review the provider's standard parameters. The published standard deal sizes range from a minimum deal size of £2,000 to a maximum deal size of £60,000. Bespoke facilities for commercial account customers can extend up to £25,000,000.
Eligibility criteria for sole traders are not published by the bank. Metro Bank is an accredited lender for government-backed funding initiatives, such as the Growth Guarantee Scheme, providing additional options for eligible UK businesses seeking structured finance.
| Feature | Details |
|---|---|
| Provider Type | Bank |
| Minimum Deal Size | £2,000 |
| Maximum Deal Size | £60,000 (bespoke commercial loans up to £25,000,000) |
| Sole Trader Criteria | Not published |
| Government Schemes | Accredited lender (e.g. Growth Guarantee Scheme) |
| Access Route | Direct |
| Companies House Number | 06419578 |
How to Access Metro Bank Business Finance
Metro Bank (Business) products are accessed direct. Business owners interested in applying for funding facilities or commercial accounts can contact the provider directly via their official website at https://www.metrobankonline.co.uk/ or through their UK branch network.
Compare Options with SME Money
Finding the right financing arrangement involves evaluating options across the entire market to ensure you receive terms that match your enterprise's unique profile. While Metro Bank (Business) offers an extensive selection of banking products, comparing multiple providers ensures you explore all available choices.
SME Money connects UK businesses with specialist brokers who search over 70 lenders to find the right funding, completely free from the bias of a single bank. Whether you require asset finance, working capital support, or commercial loans, our partner brokers help you evaluate suitable options efficiently.