Allica Bank — SME finance eligibility guide
Allica Bank is a UK challenger bank focused on established SMEs, offering commercial mortgages, asset finance and business savings.
- Official site:
- allica.bank
- FCA reference:
- 821851
- Companies House:
- 10867256
- Trustpilot:
- view
Eligibility guidance only - not financial advice, not a loan offer, not a guarantee of approval. Lendrly is not FCA-authorised and is not a credit broker.
- Amount range
- £25k–£2.5m; Bridge up to £10m; bridge-to-term £250k–£5m
- Security / PG
- Typically secured against assets, property or invoices depending on product
- Speed
- Term sheet in 4h
Data confidence
High confidence. Most of the figures on this page are published directly on the lender's own site. Verify the latest version with the lender before applying.
Summaries are paraphrased from public Allica Bank pages.
Products Allica Bank offers
A summary of the Allica Bank products tracked in the Lendrly database. Criteria can change and published ranges may differ for individual applicants. Always confirm with the lender before applying.
| Product | Category | Amount range | Min trading | Security / PG | Speed | Confidence |
|---|---|---|---|---|---|---|
| Asset finance | Asset Finance | £25k–£2.5m | 24 months | Asset-backed; up to 100% advance — Security required | Not disclosed | High |
| Bridging / commercial mortgage | Bridging Finance | Bridge up to £10m; bridge-to-term £250k–£5m | 24 months | Property-backed; 70–75% LTV — Security required | Term sheet in 4h | High |
Eligibility breakdown by product
Each section below paraphrases the published eligibility signals, common blockers, repayment, speed and security posture for one of Allica Bank's products. This is educational guidance only and is not a quote or guarantee of approval.
Asset finance
Asset Finance
Source: View Allica Bank's Asset finance page on allica.bank ↗— Allica Bank UK business loan and commercial mortgage pages.
Who Allica Bank's Asset finance may be suitable for
Allica Bank's Asset finance may be a possible fit when Ltds, LLPs, partnerships, sole traders; England, Scotland, Wales. Typical signals include vehicle, machinery, equipment or asset refinance requirement.
Common blockers
- No tangible asset/use case
- Unsupported asset type
- Weak affordability
Repayment
Allica Bank structures repayment as: hp / lease.
Speed to funding
Allica Bank does not publicly disclose typical speed to funding for this product.
Security and personal guarantee
Security posture: asset-backed; up to 100% advance. Tangible security is typically required.
Bridging / commercial mortgage
Bridging Finance
Source: View Allica Bank's Bridging / commercial mortgage page on allica.bank ↗— Allica Bank UK business loan and commercial mortgage pages.
Who Allica Bank's Bridging / commercial mortgage may be suitable for
Allica Bank's Bridging / commercial mortgage may be a possible fit when Commercial property, owner-occupier, investment, refurb. Typical signals include short-term property need, auction/refurb/refinance, clear exit route.
Common blockers
- No property security
- No clear exit strategy
- LTV too high
Repayment
Allica Bank structures repayment as: interest-only bridge.
Speed to funding
Allica Bank indicates speed to funding around: term sheet in 4h. Actual timelines may vary with documentation and underwriting.
Security and personal guarantee
Security posture: property-backed; 70–75% ltv. Tangible security is typically required.
Other lenders covering similar product families
Other UK SME lenders in the Lendrly database whose product mix overlaps with Allica Bank. This is not a ranking and not a recommendation — eligibility, pricing and underwriting can differ substantially between providers. Review each lender individually.
Related guides
Educational explainers that pair well with Allica Bank's product mix.
Related lender directories
Browse other UK lenders publishing criteria in the same product families as Allica Bank.
Keep exploring
Move up to broader categories, drill down to a specific sector, or browse related tools at this level.
Logos, trademarks and brand names belong to their respective owners. Lendrly is not affiliated with, endorsed by, or sponsored by these lenders unless clearly stated. Information is paraphrased from public lender pages and may not be exhaustive — always verify directly with the lender before applying.
Allica Bank — data sources
Lendrly summarises publicly-available information from the lender pages listed below. Criteria can change without notice — always confirm directly with the lender before applying.
- Allica Bank — Bridging / commercial mortgageallica.bankAllica Bank UK business loan and commercial mortgage pages.
What this page is — and isn't
- Is: a plain-English summary of Allica Bank's published eligibility signals, security posture, speed and product mix — written for UK SMEs trying to understand their funding options.
- Is not: a quote, a rate offer, an indication of approval, or regulated advice. Lendrly does not submit applications and is not a regulated credit broker.
- Always: confirm criteria, pricing and product availability directly with Allica Bank on the official Allica Bank site before applying.
Frequently asked questions about Allica Bank
- What is the minimum trading history for Allica Bank?
- Allica Bank's products in the Lendrly database show a minimum trading history starting from around 24 months for at least one product. Other products may require more.
- Does Allica Bank require a personal guarantee?
- Allica Bank does not publicly disclose personal guarantee requirements in a consistent way. PG is common across UK SME finance and may be requested — verify directly with the lender.
- What speed to funding does Allica Bank publish?
- Published speed indicators for Allica Bank include: Term sheet in 4h. Actual time to funds will depend on documents, affordability checks and underwriting.
- What is Allica Bank's minimum and maximum facility size?
- Across the products Lendrly tracks for Allica Bank, the published amount range is approximately £25,000 to £10,000,000. Individual products may sit within narrower bands — see the products table on this page.
- What is Allica Bank's published position on CCJs and adverse credit?
- Allica Bank does not publicly state a position on CCJs. UK SME lenders typically assess CCJs case-by-case, and unsatisfied CCJs are commonly a blocker. Check directly with the lender if this applies to you.
Check whether Allica Bank's criteria fit your business
Answer a few questions and see how your business profile stacks up against published lender criteria, including Allica Bank's. Educational guidance only — Lendrly does not submit applications on your behalf.
Important — educational guidance only
- Not regulated by the FCA and not a credit broker.
- Not financial, legal or tax advice.
- Not a loan offer and not a guarantee of approval.
- Subject to lender underwriting — criteria can change.
Lendrly provides general eligibility guidance only. It is not financial advice, a loan offer, or a guarantee of approval. Provider criteria can change and final approval is subject to lender underwriting, affordability checks, credit assessment, and documentation. Lendrly is not a regulated credit broker; we do not submit applications on your behalf.