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Frequently Asked Questions

Yes, Recognise Bank Limited has now been Authorised with Restriction. We are currently offering unregulated lending products for business customers. By the first half of 2021 we expect to be in a position where we have received our full authorisation, which will allow Recognise to offer personal and business savings under the protection of the Financial Services Compensation Scheme (FSCS).

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. You can check this on the Financial Services Register by visiting the FCA’s website

We are always here to help. There are several ways in which you can reach out. If you would like us to call you, please fill in the enquiries form on the ‘Contact’ page. Alternatively, you can email a member of one of our local teams. Their contact details can be found on the ‘Meet our teams and Contact’ pages of this website.

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.

  • For Bridging Loans and Commercial Property Loans you can borrow from £100k to £5m.
  • For Working Capital Loans, you can borrow from £100k up to £250k. The maximum amount you can borrow is £500k if you are the owner of a professional practice.
  • 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 upto 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.

We are currently focussed on providing much-deserved funds to SMEs as loans, as we feel this is critical to their success. Early next year we will be providing businesses with a platform to save and will look to offer current accounts in the future.

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 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.

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