Business Lending FAQs

The minimum and maximum amounts you can borrow depend on the type of loan you apply for.
Bridging loan £250,000 min £10 million max (residential property) £7.5 million max (commercial property)
Commercial mortgage £250,000 min £7.5 million max (investment) £5 million max (owner-occupier)

Our loan terms vary depending on the product.  To view the lengths of our loan terms and repayment terms, select the product you are interested in below and visit the dedicated product page:

We lend to a wider range of businesses.

We currently consider the following types of borrower entities:

  • Limited Companies
  • LLPs
  • Sole Traders
  • Partnerships
  • PLCs
  • Trusts
  • SSASs
  • SIPPs


In addition, you are also required to comply with the below:

  1. You currently live in the UK, or
  2. Your company is registered in the UK, Isle of Man or Channel Islands. The Centre of Main Interest must be in the UK.
  3. Your company has been trading for a minimum of 2 years.
  4. Maximum five satisfied CCJ’s within the last 3 years and no missed secured loan repayments within the last 12 months.
  5. You have not been declared bankrupt or entered an IVA / CVA in the last 3 years.

No, we are not currently accepting new applications for Professional Buy-to-Let loans. This does not affect our existing Professional Buy-to-Let borrowers, who continue to be serviced by our Loan Management team.

We offer two standard variable rates – one for Commercial properties and one for Residential properties. Our current standard variable rates, which will apply after the end of any fixed-rate period (as per your Product Terms & Conditions) are available below:
Residential Standard Variable Rate Commercial Standard Variable Rate
7.75% 9.75%

All loans offered by Recognise may be repaid early, but some fees and penalties may apply. Please check your Facility Letter or contact a member of the Recognise team for redemption details.

We currently offer a range of unregulated business loans:

If you are interested in applying for a loan, please complete our online enquiry form which can be found on each of the product pages. Once we have received this, a member of our team can get in touch to take your request forward. Loan facilities offered by Recognise Bank Limited are non-regulated contracts under The Financial Services and Markets (Regulated Activities) Order 2001.

Recognise will lend to businesses registered in the UK, Isle of Man or Channel Islands. The Centre of Main Interest must be in the UK.

Any property (ies) offered as security must be in England, Wales or Scotland.

Our aim is to provide you with a solution as quickly as possible.

It takes just minutes to send us an enquiry online.

After which, we aim to contact you within 24 hours to discuss your application and then provide indicative terms in 48 hours.

If unfortunately, we are not able to assist we will tell you as quickly as possible. We will also explain the reasons why and explore any alternative options, which may be available to you in the wider market.

If you are concerned about debt or meeting your loan repayments, the important thing is not to ignore it but come and talk to us. The earlier you address the situation, the sooner you can take action to solve it. We are here to help you navigate through these types of issues.

Please speak to us as soon as possible to see how we can help.

It might also be worth checking for advice available from the Government/Citizens Advice Bureau. You can navigate to their sites here:

https://www.gov.uk/options-for-paying-off-your-debts

https://www.citizensadvice.org.uk/debt-and-money/help-with-debt/

For general enquiries about our loan offerings, please visit our Contact Us page.

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1Currently, only LLPs and Limited Companies can deposit over £85,000. 

2FSCS Protection up to £85,000 on your eligible deposits.

Recognise Bank reserves the right to withdraw any of their products from sale at any time.

Recognise Bank Limited is a company registered in England and Wales, registration number 10603119 with its registered office at Augustine House, 6a Austin Friars, London, United Kingdom, EC2N 2HA. Recognise Bank Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Our Financial Services Register number is 849404 

Loan facilities offered by Recognise Bank Limited are non-regulated contracts under the Financial Services and Markets (Regulated Activities) Order 2001 and the Financial Services and Markets Mortgage Credit Directive Order 2015. Your property is at risk if you fail to make payments on a mortgage contract.

© Recognise Bank 2024

Steve Pateman

Steve has had an extensive executive career in banking, leading corporate and commercial banking businesses at RBS/NatWest, managing Santander’s UK banking businesses and as CEO of Shawbrook Bank, Hodge Banking Group and most recently successfully leading the banking licence application for StreamBank.

He is a non-executive Director at Bank of Ireland both in the UK and Dublin and Thin Cats, a specialist SME lending business and is retained as an advisor to Black Lion Ventures. He was previously President of the Chartered Banker Institute.

Steve took up the role of Chair (subject to regulatory approval) at Recognise Bank in November 2024, having served as an Investor Non-Executive Director since January 2024.