Metro Bank business loan
Business loans, asset finance, commercial mortgages for Metro Bank business customers.
Quick verdict
- Owner: Metro Bank plc.
- Ticket band: £5k to £2m+ depending on facility..
- If declined, the strongest alternatives are: Allica Bank for £150k+, iwoca for working capital, Funding Circle.
At a glance
- Owner entity
- Metro Bank plc
- Ticket range
- £5k to £2m+ depending on facility.
- Typical criteria
- Established Ltd, regional UK customers, 2+ years trading. Metro Bank emphasises relationship banking and branch access in M25 / South-East.
- Decision pattern
- Branch-led application common. Decisions take 1 to 3 weeks depending on ticket and structure.
- Last reviewed
- 2026-06-12
Common decline reasons
- Sub-2-year trading.
- Sector restrictions.
- Out-of-region applicants without strong existing relationship.
If you have been declined
Standard mainstream-bank criteria; pivot to fintech or specialist alternatives.
Alternatives we route to
- Allica Bank for £150k+
- iwoca for working capital
- Funding Circle
What to have ready before you apply
UK banks underwriting an SMB facility at the £5k to £2m+ depending on facility. band typically ask for the following before issuing a decision:
- Two years of filed accounts plus current management accounts.
- Six to twelve months of business bank statements.
- Director identification and proof of address.
- A clear written summary of how the funds will be used and how they will be repaid.
- Personal guarantee paperwork for limited-company directors (standard at this ticket band).
This is a generic UK SMB-bank application checklist. Metro Bank business loan may ask for additional documents specific to the facility type or sector.
FAQ
What does Metro Bank business loan offer?
Business loans, asset finance, commercial mortgages for Metro Bank business customers.
Who qualifies for Metro Bank business loan?
Established Ltd, regional UK customers, 2+ years trading. Metro Bank emphasises relationship banking and branch access in M25 / South-East.
How big a ticket does Metro Bank business loan cover?
Ticket range: £5k to £2m+ depending on facility.. Decision pattern: Branch-led application common. Decisions take 1 to 3 weeks depending on ticket and structure..
Why does Metro Bank business loan decline applications?
Sub-2-year trading. Sector restrictions. Out-of-region applicants without strong existing relationship.
What should I do if Metro Bank business loan declines my application?
Standard mainstream-bank criteria; pivot to fintech or specialist alternatives.
What are the best alternatives to Metro Bank business loan?
Alternatives we route to: Allica Bank for £150k+; iwoca for working capital; Funding Circle.
Related banks
Looking for something different?
- For independent editorial reviews of the lenders we route to, see BestBusinessLoans.
- For invoice finance, see MarketInvoice.
- For card terminals and merchant accounts, see TakeCardPayments.
Run the matcher
Tell us what Metro Bank business loan declined or what you need, and we will match against the FundBiz panel. Limited companies, LLPs and partnerships of 4+ only.
Open matcher →Last reviewed: 2026-06-12.