Metro Bank — SME finance eligibility guide
Metro Bank is a UK high-street challenger bank providing SME loans, invoice finance and asset finance alongside business banking.
- Official site:
- metrobankonline.co.uk
- FCA reference:
- 488982
- Companies House:
- 06419578
- 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
- Commercial mortgage up to £5m at 85% LTV
- Security / PG
- Security posture not consistently disclosed
- Speed
- Branch / manager-assisted
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 Metro Bank — verify directly before applying.
Products Metro Bank offers
A summary of the Metro 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 |
|---|---|---|---|---|---|---|
| Commercial mortgage / loan | Commercial Mortgage | Commercial mortgage up to £5m at 85% LTV | 24 months | Security likely | Not disclosed | Medium |
| Business credit card | Business Credit Card | Not disclosed | Not disclosed | Status check | Branch / manager-assisted | Medium |
Eligibility breakdown by product
Each section below paraphrases the published eligibility signals, common blockers, repayment, speed and security posture for one of Metro Bank's products. This is educational guidance only and is not a quote or guarantee of approval.
Commercial mortgage / loan
Commercial Mortgage
Source: View Metro Bank's Commercial mortgage / loan page on metrobankonline.co.uk ↗— Metro Bank UK business borrowing hub.
Who Metro Bank's Commercial mortgage / loan may be suitable for
Metro Bank's Commercial mortgage / loan may be a possible fit when England and Wales; relationship-led. Typical signals include commercial property purchase/refinance; deposit/security and affordability.
Common blockers
- No commercial property
- Insufficient deposit/security
- Weak rental/affordability cover
Repayment
Metro Bank structures repayment as: term loan / mortgage.
Speed to funding
Metro Bank does not publicly disclose typical speed to funding for this product.
Security and personal guarantee
Security posture: security likely.
Business credit card
Business Credit Card
Source: View Metro Bank's Business credit card page on metrobankonline.co.uk ↗— Metro Bank UK business borrowing hub.
Who Metro Bank's Business credit card may be suitable for
Metro Bank's Business credit card may be a possible fit when Existing Metro business/commercial current account. Typical signals include small revolving spend need; expenses, subscriptions, travel, short-term purchases.
Common blockers
- No UK business/current account where required
- Poor director credit
- Unsatisfied CCJs
Repayment
Metro Bank structures repayment as: card repayment.
Speed to funding
Metro Bank indicates speed to funding around: branch / manager-assisted. Actual timelines may vary with documentation and underwriting.
Security and personal guarantee
Security posture: status check.
Other lenders covering similar product families
Other UK SME lenders in the Lendrly database whose product mix overlaps with Metro 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 Metro Bank's product mix.
Related lender directories
Browse other UK lenders publishing criteria in the same product families as Metro 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.
Metro 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.
- Metro Bank — Business credit cardmetrobankonline.co.ukMetro Bank UK business borrowing hub.
What this page is — and isn't
- Is: a plain-English summary of Metro 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 Metro Bank on the official Metro Bank site before applying.
Frequently asked questions about Metro Bank
- What is the minimum trading history for Metro Bank?
- Metro 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 Metro Bank require a personal guarantee?
- Metro 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 Metro Bank publish?
- Published speed indicators for Metro Bank include: Branch / manager-assisted. Actual time to funds will depend on documents, affordability checks and underwriting.
- What is Metro Bank's minimum and maximum facility size?
- Across the products Lendrly tracks for Metro Bank, the published amount range is approximately £5,000,000 to £5,000,000. Individual products may sit within narrower bands — see the products table on this page.
- What is Metro Bank's published position on CCJs and adverse credit?
- Metro Bank's published criteria mention CCJs or adverse credit as a factor for at least one product. Unsatisfied CCJs are commonly a blocker across UK SME lenders; verify your specific position with the lender.
Check whether Metro Bank's criteria fit your business
Answer a few questions and see how your business profile stacks up against published lender criteria, including Metro 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.