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)
Buy-to-let mortgage£250,000 min£10 million max

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.

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:

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