United Trust Bank — SME finance eligibility guide
United Trust Bank is a UK specialist bank providing bridging, development, asset and structured property finance to SMEs.
- Official site:
- utbank.co.uk
- FCA reference:
- 204468
- Companies House:
- 00549690
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
- £100k–£5m key features; up to £15m broader
- Security / PG
- Typically secured against assets, property or invoices depending on product
- Speed
- Fast-track available
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 United Trust Bank pages.
Products United Trust Bank offers
A summary of the United Trust 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 |
|---|---|---|---|---|---|---|
| Bridging | Bridging Finance | £100k–£5m key features; up to £15m broader | Not disclosed | Up to 75% LTV; 1st/2nd charge — Security required | Fast-track available | High |
Eligibility breakdown by product
Each section below paraphrases the published eligibility signals, common blockers, repayment, speed and security posture for one of United Trust Bank's products. This is educational guidance only and is not a quote or guarantee of approval.
Bridging
Bridging Finance
Source: View United Trust Bank's Bridging page on utbank.co.uk ↗— United Trust Bank UK business finance pages.
Who United Trust Bank's Bridging may be suitable for
United Trust Bank's Bridging may be a possible fit when Residential, HMO, mixed-use, 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
United Trust Bank structures repayment as: no monthly repayments on some products.
Speed to funding
United Trust Bank indicates speed to funding around: fast-track available. Actual timelines may vary with documentation and underwriting.
Security and personal guarantee
Security posture: up to 75% ltv; 1st/2nd charge. Tangible security is typically required.
Other lenders covering similar product families
Other UK SME lenders in the Lendrly database whose product mix overlaps with United Trust 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 United Trust Bank's product mix.
Related lender directories
Browse other UK lenders publishing criteria in the same product families as United Trust 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.
United Trust 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.
- United Trust Bank — Bridgingutbank.co.ukUnited Trust Bank UK business finance pages.
What this page is — and isn't
- Is: a plain-English summary of United Trust 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 United Trust Bank on the official United Trust Bank site before applying.
Frequently asked questions about United Trust Bank
- What is the minimum trading history for United Trust Bank?
- United Trust Bank does not publicly disclose a minimum trading-history requirement. Some products may still favour established businesses — check directly with the lender.
- Does United Trust Bank require a personal guarantee?
- United Trust 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 United Trust Bank publish?
- Published speed indicators for United Trust Bank include: Fast-track available. Actual time to funds will depend on documents, affordability checks and underwriting.
- What is United Trust Bank's minimum and maximum facility size?
- Across the products Lendrly tracks for United Trust Bank, the published amount range is approximately £100,000 to £15,000,000. Individual products may sit within narrower bands — see the products table on this page.
- What is United Trust Bank's published position on CCJs and adverse credit?
- United Trust 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 United Trust Bank's criteria fit your business
Answer a few questions and see how your business profile stacks up against published lender criteria, including United Trust 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.