Secure Trust Bank (Commercial Finance) Reviews

Secure Trust Bank (Commercial Finance) specializes in tailored commercial finance solutions, combining reliability with personalized service for business clients.

Here are the Trustpilot Reviews from Secure Trust Bank (Commercial Finance):

Here are the Reviews from Secure Trust Bank (Commercial Finance):

Very professional

PH Philip

Secure trust bank. Never had any problems with secure bank. Answered any questions promptly. Competitive interest rates.

KT ken tait

v easy to use app

Gary Ottewill

The same thing that always goes wrong with your awful computer system. You should allow customers to see what they have typed in. You don't give enough time before customer logged out. See previous complaints/ messages

DC Derek Crooke

Iâ mm extremely disappointed with the lack of security at Secure Trust Bank. Someone was able to open an account using my personal details without my permission, and shockingly, no ID was requested from the individual. As a result, my credit has taken a major hit due to missed payments I had no knowledge of. When I contacted the bank, I was told there wasnâ mt much they could do except advise me to write to the complaints department. Thatâ ms not good enough. This is a clear failure of basic security and identity verification protocols, and the impact on my financial record has been significant. If you're considering banking with Secure Trust, be aware, your information may not be as secure as you'd expect.

JH james hill

Friendly service. They provide excellent service everything was pretty seamless.

MD mr David Makinson

Explore Secure Trust Bank (Commercial Finance)'s Finance Solutions:

Confidential Invoice Discounting

£500,000 – £50,000,000 facility limits (up to 90% of invoice value)

Disclosed Invoice Factoring (with Credit Control)

£500,000 – £15,000,000 (up to 90% of invoice value)

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Explore Secure Trust Bank (Commercial Finance)'s Finance Solutions:

Loan Type:

Confidential Invoice Discounting

Loan Range:

£500,000 – £50,000,000 facility limits (up to 90% of invoice value)

Loan Terms:

Revolving facility reviewed every 12 months (can be evergreen)

Minimum Turnover and Trading Age:

Typically £5m+ annual turnover and 2 years’ trading

Interest Rate:

Discount margin typically 1.5% – 3.5% over Bank of England Base (exact pricing not publicly available)

Fees:

Service fee 0.2% – 2% of gross invoices; arrangement & legal fees; audit/renewal fees

Loan Type:

Disclosed Invoice Factoring (with Credit Control)

Loan Range:

£500,000 – £15,000,000 (up to 90% of invoice value)

Loan Terms:

Rolling 12-month agreement

Minimum Turnover and Trading Age:

£2m+ turnover; 2 years’ trading preferred

Interest Rate:

1.75% – 4% over Base on funds in use (pricing not fully public)

Fees:

Higher service fee (typically 0.5% – 3% of turnover) due to credit control service; arrangement & audit fees

Loan Type:

Asset Based Lending Facility (Structured ABL)

Loan Range:

£5,000,000 – £50,000,000 across combined collateral classes

Loan Terms:

1 – 5 years with annual reviews; revolving (invoice/stock) plus term elements

Minimum Turnover and Trading Age:

Typically £10m+ turnover and established balance sheet

Interest Rate:

Indicatively 2% – 5% over Base depending on asset mix (exact terms bespoke)

Fees:

Arrangement fee (1% – 1.5% of facility); monitoring & collateral audit; non-utilisation on term elements

Loan Type:

Inventory / Stock Finance

Loan Range:

Up to 70% of eligible inventory value; typically £1,000,000 – £10,000,000 sub-limit

Loan Terms:

Revolving within 12-month ABL framework

Minimum Turnover and Trading Age:

Information not publicly available (normally >£5m turnover)

Interest Rate:

Margin aligned to overall ABL facility (2% – 5% over Base)

Fees:

Non-utilisation fee on unused limit; appraisal fees

Loan Type:

Plant & Machinery Term Loan

Loan Range:

£500,000 – £10,000,000 (up to 80% of forced-sale value)

Loan Terms:

2 – 5 years amortising or bullet within ABL

Minimum Turnover and Trading Age:

Information not publicly available

Interest Rate:

3% – 6% over Base (deal-specific)

Fees:

Arrangement 1% – 2%; valuation & legal costs; early settlement fee

Loan Type:

Property Term Loan (Commercial Real Estate within ABL)

Loan Range:

£1,000,000 – £20,000,000 (up to 75% of forced-sale value)

Loan Terms:

3 – 5 years amortising or bullet

Minimum Turnover and Trading Age:

Information not publicly available

Interest Rate:

2.5% – 5% over Base (indicative)

Fees:

Arrangement fee; valuation; legal; potential exit fee

More About Secure Trust Bank (Commercial Finance)

Secure Trust Bank PLC operates a Commercial Finance division providing asset-based lending and working capital solutions for UK SMEs and mid-market companies. As a bank authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority, it offers facilities primarily to established businesses with turnovers usually over £5m or £10m depending on product type. Its funding spans from £1m to around £50m, using a multi-asset approach including invoices, stock and property. This lender is suitable for businesses seeking working capital, acquisitions or turnaround finance. You can find more about commercial finance providers and asset-based lending on Funding Agent.

Key Features of Secure Trust Bank Commercial Finance

Secure Trust Bank Commercial Finance combines flexible multi-asset funding with experienced regional teams and online tools for accessible account management.

Facilities from £1m up to c. £50m for growing and mid-market businesses, aligned with business loans
Multi-asset funding including invoices, stock, plant and property for enhanced leverage, linked to asset-based lending
Confidential and disclosed invoice finance options to protect customer relationships
Online client portal offers 24/7 access to funds, reporting and draw-downs, supporting invoice financing
Authorised UK bank funding means stable capital and competitive costs, unlike third-party funding structures

Eligibility for Secure Trust Bank Commercial Finance

You may qualify if your business has a minimum of two years’ trading history, positive EBITDA, and usually a turnover above £5m for stand-alone invoice finance or £10m for full asset-based lending. Businesses must operate in the UK and be registered there. Certain sectors, such as B2C receivables and high-risk industries, are excluded. Further guidance on eligibility and trading requirements is available on Funding Agent.

Loan Options from Secure Trust Bank Commercial Finance

The lender offers various loan types to suit different business needs, ranging from invoice finance to structured asset-based lending and term loans.

Confidential Invoice Discounting: Facility limits from £500,000 to £50,000,000; revolving with 12-month reviews; discount margin typically 1.5% – 3.5% over Bank of England Base rate. See invoice discounting for details.
Disclosed Invoice Factoring: £500,000 to £15,000,000 limits; rolling 12-month agreement; rates from 1.75% to 4% over Base. Full credit control included. See invoice factoring.
Asset Based Lending Facility: Loan amounts from £5,000,000 up to £50,000,000 combining assets; terms from 1 to 5 years; indicative rates 2% – 5% over Base. Learn about asset based lending.
Inventory / Stock Finance: Up to 70% of eligible stock value; typically £1m – £10m sub-limit; aligned margins. See asset finance resources.
Plant & Machinery Term Loan: £500,000 to £10,000,000; 2 to 5 years term; margin 3% to 6% over Base. Refer to term loans.
Property Term Loan (Commercial Real Estate): £1,000,000 to £20,000,000; 3 to 5 years; up to 75% of forced-sale value. Details about commercial mortgages apply.
Cash Flow Loan (Stretch or Top-Up Loan): £1,000,000 to £7,500,000 up to 2× EBITDA; 3 to 5 years; 5% to 9% over Base. See working capital loans and cash flow finance.

How to Apply for Secure Trust Bank Commercial Finance

The application process is typically managed offline after an initial online or phone enquiry. Expect document requests and checks before funding.

Submit an initial enquiry online or by phone to the regional business development manager. See online enquiry forms.
Provide documents including audited accounts, aged debtor/creditor lists, asset schedules, valuations, and director IDs. Check the document checklist.
Receive a term sheet within 3–5 working days after submission; credit approval takes 5–10 days from term sheet. Learn about typical application timelines.
Complete facility documentation and negotiate terms before funding, which takes between 2–6 weeks depending on complexity.

Funding Agent’s Review of Secure Trust Bank Commercial Finance

Secure Trust Bank Commercial Finance is suited for established UK businesses with turnovers above £1m seeking flexible asset-based lending and invoice finance with experienced support. It offers a broad product set with stable bank funding and online service tools. Smaller or start-up firms may face eligibility challenges due to turnover and trading history thresholds. Visit our lender reviews and use our invoice finance calculator or asset finance calculator to explore options.