The SME Finance Charter

We are a signatory of the Government’s SME Finance Charter and have made commitments under five key headings to support our SME customers through Brexit and beyond.

We’re open for business and ready to lend

  • Secure Trust Bank grew net lending to UK businesses by over 15% in the year to end June 2019 and intends to continue to grow lending to UK businesses
  • We offer a full range of working capital and real estate finance products
  • We are a relationship focused bank and our regionally based relationship managers tailor the financing to meet the needs of the customer

We’ll help you prepare for Brexit and beyond

  • As a specialist lender, our customers have dedicated regionally based relationship managers who are actively engaged in helping customers prepare for Brexit
  • We have increased our product set to meet SME demand for working capital and offer full Asset Based Lending capabilities, including Invoice Finance, Stock Finance, Asset Finance, Cash Flow Finance, and Stocking Finance
  • We provide funding in support of UK house builders and property investors but we do not provide transactional or business current accounts to SMEs

We’ll support your application and signpost other options if needed

  • Every SME customer seeking finance from Secure Trust Bank is dealt with by a dedicated regionally based relationship manager who works with the customer through every stage of the lending process to ensure they are aware of the process
  • When our product set cannot meet the needs of customers or further information is required we will direct customers to alternative sources including the British Business Bank Finance Hub and Business Finance Guide

We’ll treat you fairly at all times

  • Treating customers fairly is a core value at Secure Trust Bank and is evidenced by consistently high customer satisfaction scores of 4.7 out of a maximum 5 on Feefo
  • Our Commercial Finance Business is an active member of the UK Finance trade body and is committed to the Invoice Finance and Asset Based Lending framework


We’ll work with the Government-owned British Business Bank to support SMEs

  • We proactively work with the British Business Bank to assist existing and new business customers to access our products, including through the use of schemes promoted by the British Business Bank such as the Enable Guarantee and the Enterprise Finance Guarantee

British Business Bank logo

Secure Trust Bank PLC. Registered in England and Wales 541132. Registered Office: One Arleston Way, Solihull, B90 4LH.
Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Our registration number is 204550

All communications with us will be monitored/recorded to improve the quality of our service and for your protection and security.