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Specialist lending built for your ambition.

Structured finance solutions for UK businesses, property investors and developers.

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Introducing Business Finance at STB

Hear directly from our team about how we approach specialist lending — our credit philosophy, what sets us apart, and how we work with intermediaries to get deals done for their clients.

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What we lend against

Development Finance

Ground-up development and conversion facilities for residential, PBSA and mixed-use developments schemes. We support experienced developers from planning through to practical completion with flexible funding structures designed to bring your vision to life.

  • From £2m – £45m
  • Terms up to 36 months
  • Max LTC is 85%
  • Max LTGDV is 70%

Enquire about development finance

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Residential city landscape

Residential Investment

Flexible finance solutions designed for property investors looking to build or expand their residential portfolio. We support buy-to-let investors, HMOs and portfolios up to 70% LTV with competitive rates and tailored lending criteria to help you achieve your investment goals.

  • Terms up to 5 years
  • Competitive fix and floating rates available
  • Max LTV is 70%
  • Interest only or capital repayment

Enquire about residential finance

Bridging Finance

Fast, flexible short-term funding for land and development exits. Whether you're awaiting planning permission, preparing to exit a completed development or undertaking light refurbishment, our bridging solutions provide the speed and flexibility you need.

  • From £2 - £20m
  • Term up to 24 months
  • Rolled or serviced repayment
  • Max LTV is 70% 

Enquire about bridging finance

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people in a warehouse

Asset Based Lending

Unlock working capital tied up in your business assets. Our asset-based lending facilities enable you to leverage invoices, stock, and other assets to fuel growth and manage cash flow effectively without disrupting existing operations.

  • From £5 – £50m
  • Acquisitions and Investments
  • Restructure and Turnaround
  • Buyouts and Buyins

Enquire about ABL

Speciality Finance

Supporting the growth of non-bank lenders through flexible and scalable funding solutions.

  • Long-term partnerships built on understanding, enabling us to support clients' evolving funding needs.
  • Extensive specialist lending experience, combining deep credit, structuring and sector expertise.
  • Strong appetite across asset classes, backing well-managed UK lending platforms.
  • Committed facilities from £10m to £50m, delivered through flexible secured revolving credit structures with terms typically up to three years.

Enquire about Specialty Finance

meeting of people

Real projects. Real results.

Residential Investment

Supporting Residential Investment in South Bristol

We provided Vandercliff SL with a £5m residential property investment loan over a five-year term to refinance a portfolio of 66 leasehold apartments at Lakeshore, Bristol.

£5m
Facility
60%
LTV
5 years
Term

“Our first time working with STB was an extremely positive experience. Lakeshore is a unique property that really stands out in Bristol, and we're looking forward to continuing our investment journey over the next five years.”

— Juan de la Peña López, director at Vandercliff SL

Read more

Specialists who know your sector.

Meet the team
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John Griffin

Commercial Director, Business Finance

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John Griffin

Commercial Director, Business Finance

John joined Secure Trust Bank in February 2019 following 12 years at the Royal Bank of Scotland, working exclusively within the real estate sector.

His last role was as a Relationship Director within Williams&Glyn, a division of RBS, managing a portfolio of 15 real estate clients with a £400m lending portfolio. He specialised in providing real estate funding solutions of £5m - £50m per transaction for Family Offices, Plc's, property funds and standalone Special Purpose Vehicles across all sectors.

John joined Secure Trust Bank due to its ambition to grow and ability to support clients through swift credit decisions and ability to deliver with a small and agile team. John's spare time is taken up by his young family and attending games at Chelsea FC when time allows.

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Ben Hodis

Head of Development & Investment Finance

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Ben Hodis

Head of Development & Investment Finance

Ben joined Secure Trust Bank in 2022 as a Relationship Director. Ben was appointed as Head of Origination in March 2025. Ben has two decades of real estate lending experience alongside a period conducting client facing broking.

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Nick Leitch

Head of Asset Based Lending

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Nick Leitch

Head of Asset Based Lending

Nick Leitch joined Secure Trust Bank Business Finance in 2026 as Head of Asset-Based Lending (ABL), bringing more than 30 years of experience across financial services. He leads the bank's ABL offering, helping UK SME and mid-market businesses access flexible funding solutions to support growth.

Prior to joining STB, Nick led Shawbrook Bank's ABL & Leveraged Finance Corporate business, growing total facilities to £1 billion and strengthening its market presence. His career has also included senior roles at EY, private equity firms Seneca Partners and Endless, and most recently Heligan Group. At STB, he is focused on expanding the bank's ABL proposition and supporting the evolving funding needs of businesses, investors and sponsors across the UK.

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Mike Knox

Head of Speciality Finance

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Mike Knox

Head of Speciality Finance

Mike Knox joined Secure Trust Bank as Head of Speciality Finance in 2026 to lead the launch and growth of the bank's dedicated Speciality Finance division. He works with established UK non-bank specialist lenders, providing tailored funding solutions that support sustainable growth and help businesses scale with confidence.

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