Lombard — SME finance eligibility guide
Lombard is the asset finance arm of NatWest Group, providing hire purchase, leasing and refinance to UK businesses.
- Official site:
- lombard.co.uk
- FCA reference:
- 121491
- Companies House:
- 00337004
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+
- Security / PG
- Security posture not consistently disclosed
- Speed
- Speed to funding not publicly disclosed
Data confidence
Medium confidence. Some figures on this page are summarised from public sources but not always disclosed in full by the lender. Confirm specifics with the lender before applying.
Some details are not publicly disclosed by Lombard — verify directly before applying.
Products Lombard offers
A summary of the Lombard 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 / HP | Asset Finance | £25k+ | Not disclosed | Security/guarantees may be required | Not disclosed | Medium |
Eligibility breakdown by product
Each section below paraphrases the published eligibility signals, common blockers, repayment, speed and security posture for one of Lombard's products. This is educational guidance only and is not a quote or guarantee of approval.
Asset finance / HP
Asset Finance
Source: View Lombard's Asset finance / HP page on lombard.co.uk ↗— Lombard UK asset finance pages.
Who Lombard's Asset finance / HP may be suitable for
Lombard's Asset finance / HP may be a possible fit when Vehicles, tech, healthcare, machinery, specialist assets. Typical signals include vehicle, machinery, equipment or asset refinance requirement.
Common blockers
- No tangible asset/use case
- Unsupported asset type
- Weak affordability
Repayment
Lombard structures repayment as: hp / lease.
Speed to funding
Lombard does not publicly disclose typical speed to funding for this product.
Security and personal guarantee
Security posture: security/guarantees may be required.
Other lenders covering similar product families
Other UK SME lenders in the Lendrly database whose product mix overlaps with Lombard. 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 Lombard's product mix.
Related lender directories
Browse other UK lenders publishing criteria in the same product families as Lombard.
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.
Lombard — 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.
- Lombard — Asset finance / HPlombard.co.ukLombard UK asset finance pages.
What this page is — and isn't
- Is: a plain-English summary of Lombard'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 Lombard on the official Lombard site before applying.
Frequently asked questions about Lombard
- What is the minimum trading history for Lombard?
- Lombard does not publicly disclose a minimum trading-history requirement. Some products may still favour established businesses — check directly with the lender.
- Does Lombard require a personal guarantee?
- Lombard 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 Lombard publish?
- Lombard does not publicly disclose typical funding timelines. Time to funds usually depends on documentation quality and underwriting checks.
- What is Lombard's minimum and maximum facility size?
- Across the products Lendrly tracks for Lombard, the published amount range is approximately £25,000 to £25,000. Individual products may sit within narrower bands — see the products table on this page.
- What is Lombard's published position on CCJs and adverse credit?
- Lombard 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 Lombard's criteria fit your business
Answer a few questions and see how your business profile stacks up against published lender criteria, including Lombard'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.