A partnership supporting British Businesses

United Trust Bank and the British Business Bank, working in partnership to provide much needed funding facilities for SME developers, house builders, property investors and business owners across the UK.

With all UTB|CBILS loans the interest charge for the first 12 months and the arrangement fees may be paid by the Government. Visit one of our lending divisions below to find out about the specific features and benefits available with our range of products.

Note: It’s important that you are aware that the borrower, will always remain 100% liable for the debt.


To be eligible for a facility under CBILS, your business must:

  • Be UK-based in its business activity
  • Have an annual turnover of no more than £45 million
  • Have a borrowing proposal which the lender would consider viable, were it not for the current pandemic
  • Self-certify that it has been adversely impacted by the coronavirus (COVID-19)
  • Not have been classed as a “business in difficulty” on 31 December 2019

View the British Business Bank CBILS SME Checklist here.

UTB will need further information to confirm eligibility.

All lending decisions remain fully delegated to UTB as an accredited lender.

The Coronavirus Business Interruption Loan Scheme (CBILS) is managed by the British Business Bank on behalf of,and with the financial backing of the Secretary of State for Business, Energy and industrial Strategy (BEIS). British Business Bank plc is wholly owned by HM Government and is not authorised or regulated by the Prudential Regulation Authority (PRA) or the Financial Conduct Authority (FCA).

Full details on CBILS eligibility criteria and the list of participating CBILS lenders can be found on the British Business Bank website at: www.british-business-bank.co.uk/CBILS

Open your business account here

Open your ISA account here