Cambridge & Counties Bank: products, terms and eligibility

Cambridge & Counties Bank is a UK provider of commercial mortgages and bank lending. The legal entity named on its site is Cambridge & Counties Bank Ltd, company number 07972522. It is based in Leicester. It gives its founding year as 2012.

Companies House shows Cambridge & Counties Bank Limited was incorporated on 1 March 2012 (company number 07972522). The bank says it is owned by Trinity Hall, Cambridge and Cambridgeshire Local Government Pension Fund. Its milestones list a holiday lets product launch in 2019 and the opening of a Reading office in February 2025. It says it set up an Asset Finance Flow business line for lending values up to £150,000.

In its own words on scale:

• Says it lends up to £15m per customer on commercial investment and owner-occupier loans, with no restriction on property numbers.

Everything on this page comes from what Cambridge & Counties Bank publishes itself. We show the date we last checked it, and we do not rate or rank lenders.

Cambridge & Counties Bank publishes 5 products for UK businesses. The table above gives the amounts and terms as it states them.

• Commercial investment loan: Capital repayment or interest only options.
• Commercial owner occupier loan: Capital repayment or interest only options.
• Bridging loan: Interest roll-up option within maximum LTV.
• Residential development finance: Interest roll-up options.
• Asset finance (hire purchase and finance lease): Fixed rate repayments or rentals.

Commercial investment loan

For experienced investors buying, refinancing or releasing equity from commercial property. Up to 70% LTV of open market value; short leases or licences acceptable; 3 and 5 year fixed rates or variable rates; secured by a first legal charge.

Commercial owner occupier loan

For a business buying, refinancing or releasing equity from its own trading premises, as a standalone transaction with no need to move the current account. Up to 75% LTV of vacant possession value; opco and propco structures accepted; businesses trading for 12 months considered.

Bridging loan

Residential, commercial, mixed-use and speculative bridging for experienced investors in England and Scotland: up to 80% LTV residential and 70% LTV commercial (vacant possession), £500k to £5m over 1 to 24 months. A bridge-to-term option can convert the bridge into a longer-term loan with the bank.

Residential development finance

For experienced developers of residential schemes, from conversions to ground-up builds: up to 65% of gross development value and 80% of cost, £500k to £7.5m, up to 24 months, with a bespoke security package.

Asset finance

Hire purchase (ownership passes after final payment and an option to purchase fee) and finance lease. Assets include agricultural, construction, commercial vehicle, machinery and material handling equipment, and classic, vintage, racing and sports cars. Refinancing of owned equipment is offered.

Cambridge & Counties Bank says its finance is used for:

• Property purchase or transfer
• Refinance
• Equity release
• Working capital
• Business acquisition
• Buying business equipment and vehicles

Sectors and business types it says it funds:

• Agriculture and farming
• Construction
• Commercial vehicles and haulage
• Waste and recycling
• Property investment
• Residential development

Cambridge & Counties Bank publishes these criteria. Meeting them does not mean an application will be accepted: every lender makes its own decision.

• Commercial investment and bridging loans are only for experienced property investors.
• Owner-occupier borrowers must have been trading for at least 12 months.
• Corporate borrowers must be registered in the UK or Crown dependencies.
• Individuals borrowing in their own names must be UK resident.
• Security property must be in England, Scotland or Wales.
• Property finance borrowers: sole traders, partnerships, LLPs, limited companies and PLCs.
• Asset finance: experienced SMEs including sole traders, partnerships, UK limited companies and LLPs, charities and trusts.

Cambridge & Counties Bank describes its process like this:

1. Contact the property finance or asset finance team by email, phone or the online enquiry form.
2. Submit the application form and the information requested.
3. Receive a decision and a formal facility letter.
4. Solicitors and valuers are instructed once the signed facility letter and valuation fee are received.
5. Complete the loan (bridging can exit onto a term loan with the bank).
6. Brokers can contact the bank’s property finance and asset finance intermediary teams.

Information it says it asks for:

• Completed application form
• Assets, liabilities, income and expenditure details for all parties
• Last three months' business and personal bank statements
• Property portfolio schedules
• Last three years of financial accounts (if applicable)
• Confirmation of outstanding mortgage balances (if applicable)
• Exit plan and refurbishment costs (bridging)

Every application is subject to status and the lender’s own criteria at the time.

A commercial mortgage is a long-term loan secured on business premises or investment property. Lenders look at the property’s value, the deposit, and whether the business’s profits or the rent comfortably cover the repayments.

Banks often lend across several products, from overdrafts to asset finance, and some can offer facilities under government schemes. See government-backed business loans for how those work.

Our guide to commercial mortgages and bank lending explains the costs, who it suits and how to compare offers.

Points Cambridge & Counties Bank publishes that are worth knowing:

• When we checked on 15 October 2026, the property finance FAQs said Cambridge & Counties does not provide development funding at present, while a separate development finance page listed residential development loans of £500k to £7.5m.
• Property finance and asset finance are not regulated; savings accounts are regulated.
• Early repayment charges may apply if a property loan is repaid early; a limited overpayment each 12 months is allowed without charge.
• Personal guarantees are requested from business owners or directors but are not always mandatory.
• Underwriting is manual and each case is considered on its own merits.

Security and guarantees

Property loans are secured by a first legal charge on property in England, Scotland or Wales. Personal guarantees are requested from business owners or directors but are not always mandatory. Asset finance LTV can be up to 100% of the invoice amount excluding VAT.

Cambridge & Counties Bank’s site states: “Cambridge & Counties Bank Ltd is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under firm registration number 579415.”

You can check any firm’s permissions on the FCA’s Financial Services Register, listed in the sources below, before you sign anything.

Protections differ by borrower type and loan size. Most lending to limited companies is not regulated consumer credit, so read the agreement and ask the lender what applies to you.

Other providers of commercial mortgages and bank lending with profiles here include HSBC UK, Lloyds Bank and Metro Bank. Each profile uses that lender’s own published terms.

The full list, grouped by product type, is in our directory of UK business lenders.

Capzy is a credit broker, not a lender, and gets paid by the lender. One application lets your business compare options across lenders, so you can weigh this kind of facility against the alternatives. You can check your funding options with a soft search that does not affect your credit score. A full application to a lender may involve a hard search, and any offer is subject to status and lender criteria.