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What kind of business loan are you looking for?

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Explore our full range of products

Flexible loans from £30k to £5million, whether you’re looking to grow, or to optimise your cash flow, we will find a solution that’s right for you.

Bridging Loans

Commercial Property Loans

Professional Buy-to-Let Loans

Professional Practice Loans

Working Capital Loans

Here is what our customers say

It was our first engagement with Recognise Bank; we can’t wait to work with the Bank again.

Jason Caprioli, Kingswood Associates

Recognise Bank impressed us with its understanding of our operations and the challenges faced by SME businesses.

Ian Thomason, Tier Consult Group

Get in touch to find out how we can help

Our Awards

Finance Award 2021
Fintech Finance AWARD

Frequently asked questions

1. How do I apply for a loan?

Recognise Bank currently offers unregulated loans. These loans are useful for corporate entities and for properties you aren’t going to live in.

To get things underway quickly, please complete our enquiry form with some basic details so that 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.

  • For Bridging Loans and Commercial Property Loans you can borrow from £100k to £5m.
  • For Working Capital Loans you can borrow from £50k up to £250k.
  • For Professional Practice Loans you can borrow from £30k up to £500k.
  • We offer Bridging Loans for up to 12 months
  • Commercial Property Loans for up to 5 years
  • Working Capital Loans – Up to 3 years and up to 5 years if you are the owner of a professional practice

Our aim is to provide you with a solution as quickly as possible. A member of the Recognise team will discuss your requirements with you and will usually be able to provide some indicative terms within 24 hours. They will also explain what additional information is required to support a credit application. Once this information has been provided an application will be made to our credit team who will aim to revert within 2 working days. Of course, we will ensure that we keep you abreast of the progress of your loan application as we proceed through each stage.

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.

Recognise lend to experienced property investors, business owners and professionals, generally with at least a 2-year profitable trading history and a viable business model. Borrowers may be sole traders, limited companies, or partnerships.

Recognise will lend to businesses registered and based in England and Wales. Any property (ies) offered as security must be in England or Wales. We have business offices based in Manchester, Birmingham, Leeds and London or access via our website or through an established broker/intermediary.

At present we do not offer Development Finance, but we will be happy to consider providing funds to assist with the refurbishment and improvement of a property.

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, reducing stress and potentially saving you money in the long term. 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 the advice available from the Government/Citizens Advice Bureau. You can link to their sites here.



We want to help your business thrive and prosper. If you want to discuss additional borrowing please contact your Relationship Manager or click here to complete an enquiry form and a member of the Recognise team will be in touch.

All loans offered by Recognise may be repaid early. Please check your Facility Letter or contact a member of the Recognise team for redemption details.

We hope you will always be happy with our service and our products, but sometimes things can go wrong. When that happens, our job is to listen and to put it right. Please click here to see how to make your complaints.