For more than 65 years, United Trust Bank has been partnering with individuals and intermediaries to provide expert lending solutions. Operating as a specialised bank, United Trust Bank focuses on building strong relationships, offering tailored solutions, and providing clients and broker partners with dedicated support.
Their commercial lending arm helps UK businesses acquire machinery, vehicles, and commercial property through structured financial products designed to support long term growth.
Business Finance Products Offered by United Trust Bank
United Trust Bank provides a range of funding facilities directly to commercial customers. These options are tailored to help businesses manage capital expenditure and optimize cash flow:
Asset Finance: A funding solution that helps businesses acquire essential equipment, machinery, and vehicles without making large upfront cash payments.
Hire Purchase: Allows companies to spread the total cost of an asset over an agreed term, taking full ownership of the asset at the end of the repayment schedule.
Finance Lease: Provides access to necessary equipment or commercial vehicles for a fixed period, with structured rental payments to suit operational budgeting needs.
Asset Refinance / Sale and Leaseback: Enables businesses to release equity tied up in existing, fully owned assets to raise capital for reinvestment or cash flow management.
Commercial Mortgages, Bridging and Development: Specialist property finance facilities designed for purchasing commercial premises, bridging short term funding gaps, or financing property development projects.
Key Facts and Product Summary
The table below provides a quick overview of United Trust Bank and its commercial finance criteria:
Feature | Details |
|---|---|
Provider Name | United Trust Bank |
Provider Type | Bank |
Website | https://www.utbank.co.uk/ |
Minimum Deal Size | £10,000 asset finance £2.5M mortgages |
Maximum Deal Size | £3,000,000 asset finance £35,000,000 commercial mortgages |
Sole Trader Eligibility | Not published |
Who Does United Trust Bank Suit?
United Trust Bank caters to UK businesses that need to acquire, upgrade, or leverage specific physical assets and commercial properties. They maintain tailored expertise in funding specialized machinery and various vehicle types. Ideal customer profiles include UK businesses looking to fund:
Prestige cars, classic cars, and left hand drive cars
Light commercial vehicles, heavy commercial vehicles, buses, coaches, and trailers
Municipal vehicles and waste recycling equipment
Construction equipment and agricultural equipment
CNC and engineering machinery, injection moulding machines, and media equipment
By offering dedicated support across these varied asset categories, United Trust Bank provides financial solutions tailored to sectors like manufacturing, construction, transport, recycling, and media.
Eligibility and Deal Sizes
When applying for funding with United Trust Bank, business owners must meet specific deal size guidelines across their commercial lending portfolio:
Minimum funding amount: £10,000
Maximum funding amount: £3,000,000
Regarding business ownership structures, United Trust Bank does not publish explicit details regarding sole trader eligibility. Business owners structured as sole traders should contact the bank directly or speak to a finance specialist to clarify whether their specific circumstances meet the bank's lending criteria.
How to Access United Trust Bank Funding
United Trust Bank works both directly with business clients and through broker networks. Business owners researching funding options can explore the bank's services directly via their official website or work through a finance broker. Intermediaries frequently work with United Trust Bank to structure proposals, gather documentation, and match asset requirements with the lender's criteria.
Compare United Trust Bank Options with SME Money
While United Trust Bank offers tailored lending solutions, exploring multiple providers ensures you secure the most competitive terms for your business. SME Money connects UK businesses with specialist brokers who search over 100 lenders to find the right funding, completely free from the bias of a single bank. Comparing options across the wider market allows you to select a business finance agreement that best aligns with your financial objectives.