More than just words


Find out in this short film how our highly responsive customer service and commitment to being an adaptable, approachable and dependable funding partner means we are always able to look for reasons to say ‘yes’ to your projects.


Hire Purchase

Hire purchase is a finance agreement that is secured on the asset being funded. Payments can be tailored to suit your customers’ requirements and they have the opportunity to own the asset at the end of the finance period.

Finance Lease

A finance lease allows your customer to use the asset during the lease period, without owning it. The monthly rentals are normally 100% allowable against tax. At the end of the lease, they can either continue with nominal annual rentals or sell the asset as our agent and benefit from a proportion of the sale proceeds.

We can finance the following assets:

  • Prestige Cars
  • Classic cars and left hand drive cars
  • Light commercial vehicles
  • Heavy commercial vehicles
  • Bus and Coach
  • Trailers
  • Municipal vehicles
  • Construction equipment
  • Agricultural equipment
  • Waste recycling equipment
  • CNC and engineering machinery
  • Injection Moulding machines
  • Media equipment



  • Deposits and finance terms are dependent on the age and type of asset, and are subject to the borrower’s status.
  • Repayment terms are typically from one to five years.
  • Non-regulated loans only.
  • Deal sizes usually range from £10,000 to £750,000, although we will consider larger transactions for strong covenants.
  • We offer a competitive broker commission structure and quick, efficient service from proposal stage through to drawdown.


Experience, knowledge, partnership and a truly personal service

United Trust Bank’s Asset Finance department boasts a team of professionals with decades of credit experience.  As a ‘broker only’ asset finance funder, we are committed to building strong, long term partnerships based on providing a  high-quality, individual service backed by quick decision making. Our credit managers are encouraged to find innovative solutions to your clients’ individual needs, ensuring your customers have the funds they need, when they need them.

Our Process

  1. Proposal submitted

You should send us a full proposal by email to [email protected], including:

  • Background information on your customer and the goods to be financed
  • Up-to-date financial information
  • Copy bank statements (if available)
  • Guarantor details (if applicable, property value and mortgage balance).
  1. Credit decision

We will confirm our credit decision and acceptance terms to you.

  1. Document signing

You arrange for the necessary documentation to be signed by your customer, emailed in for payout and returned to us by post.

We would also require:

  • The customer deposit to be paid to us by bank transfer
  • Proof of the customer’s identity
  • Any other acceptance criteria to be completed.
  1. Payment to Supplier and Broker

Once we have received the completed documents, we will pay the supplier by same-day bank transfer. Broker commission is paid at the same time.

Working with Brokers

At United Trust Bank our broker partners benefit from a dedicated account manager who will ensure that all of your enquiries are addressed promptly, consistently and without fuss. You won’t be passed from pillar to post with different people making different information requests. Instead, you’ll receive timely, reliable and professional funding solutions. Our Broker Zone will give you access to our exclusive broker-only web page. Please log in or register here.

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