Commercial Banking
Our Commercial Banking team is here to meet the day-to-day needs of owner-managed and independent businesses. As a relationship-led bank, our business banking clients can simply email, or pick up the phone and speak directly to a member of our specialist team.
Deposits
We offer instant access, notice, and fixed-term accounts for commercial clients; our fixed term deposit product offers a highly competitive rate which is fixed for the term.
All products have minimum deposits and interest is paid at maturity.
To find out more about our liquidity management solutions, please fill in our contact form below. For deposits of more than £1m GBP, or equivalent, please speak to your relationship manager or contact us here.
Fixed term deposit accounts offer an agreed interest rate over specified term. This option works well if you are looking to save a lump sum for a fixed period, typically between six months and two years. You know from the outset how much interest you’ll earn and when you will receive it. You cannot access your savings during the term of the fixed term deposit, but there are different options available to you on maturity.
GBP Deposits
Interest will be calculated daily and will accrue from the day your Fixed Term Deposit account is open and funded.
Interest will be paid to your nominated account held in your name at Arbuthnot Latham.
Interest will be paid at maturity, except for the 24 Month product where interest will be paid annually.
Alternative rates and currencies may be available.
*AER stands for Annual Equivalent Rate and is the notional rate which illustrates the contractual interest rate if paid and compounded on an annual basis.
USD Deposits
Interest will be calculated daily and will accrue from the day your Fixed Term Deposit account is open and funded.
Interest will be paid to your nominated account held in your name at Arbuthnot Latham.
Interest will be paid at maturity.
Alternative rates and currencies may be available.
USD interest is calculated on a 360 day convention.
*AER stands for Annual Equivalent Rate and is the notional rate which illustrates the contractual interest rate if paid and compounded on an annual basis.
EUR Deposits
Interest will be calculated daily and will accrue from the day your Fixed Term Deposit account is open and funded.
Interest will be paid to your nominated account held at Arbuthnot Latham.
Interest will be paid at maturity.
Alternative rates and currencies may be available.
EUR interest is calculated on a 360 day convention.
*AER stands for Annual Equivalent Rate and is the notional rate which illustrates the contractual interest rate if paid and compounded on an annual basis.
View summary box for our Fixed Term Deposits for Commercial Clients (GBP)
View summary box for our Fixed Term Deposits for Commercial Clients (USD)
View summary box for our Fixed Term Deposits for Commercial Clients (EUR)
Offering a high degree of flexibility, you can dip into this account whenever you need to. Great for regular spending, it can work in tandem with your current account to ensure you maintain a healthy and accessible balance.
Interest will be calculated daily and will accrue from the day your savings account is open and funded.
Interest will be credited monthly to your savings account.
*AER stands for Annual Equivalent Rate and is the notional rate which illustrates the contractual interest rate if paid and compounded on an annual basis.
Notice accounts typically offer higher interest rates than instant access savings accounts, with more flexibility than a fixed term deposit account. A notice account allows you to access your savings after a notice period which you will be advised of in advance of opening a notice account.
100-Day Notice Account
Interest will be calculated daily and will accrue from the day your 100-Day Notice Account is open and funded.
Interest will be credited monthly to your 100-Day Notice Account.
Interest rates on the 100-Day Notice Account are banded. This means you will earn the applicable interest rate on your full account balance.
*AER stands for Annual Equivalent Rate and is the notional rate which illustrates the contractual interest rate if paid and compounded on an annual basis.
Lending
By understanding your growth ambitions, we can deliver flexible, bespoke lending solutions to help you drive your business forward.
Government-Backed Schemes
These are finance solutions offered under initiatives backed by the government which we are a part of.
- Recovery Loan Scheme
- Recovery Loan Scheme (ABL)
Real Estate
Finance solutions for introducers and clients to create tailored loan facilities for a number of different real estate projects including:
- Residential investments
- Professional HMOs
- Private rented sector
Asset Based Lending
Full ABL facilities to unlock the substantial value tied up in balance sheet assets, plus cashflow loans to deliver high levels of working capital post-transaction.
Event-driven transactions funded include:
- MBO/MBI
- Mergers & Acquisitions
- Growth & Expansion
- Refinancing
Mortgage
For the purchasing of property, which the loan will be secured against.
Mortgages are typically used for but not limited to:
- Buy-to-let
- Property ownership
- Refinancing
Refurbishment & Conversion
Making improvements to a property with the aim of increasing its value. For larger construction projects, that will come under our development sub-offering.
Refurbishments & Conversions are typically used for but not limited to:
- Full renovation
- Extension
- Converting commercial property to a multiple residential dwelling
Asset Finance
The financing (buy or lease) of equipment, vehicles, and other assets over an agreed time period, in return for regular payments.
Our asset finance facilities cover:
- Hire purchase
- Refinancing
- Leasing
Bridging Loans
Short-term property financing where an ‘instant’ route is needed to solidify a property holding until a long-term financing option or exit is arranged.
A bridge loan is typically used for but not limited to:
- Auctions
- Purchasing property
- Refinancing
Business Loans
Flexible borrowing facilities tailored to your business and the sector it operates in.
Our loans are typically used for, but not limited to:
- Capital injection
- Equipment
- UK Media Production Loans
Business Overdrafts
A short-term borrowing solution which can be utilised to assist with unexpected situations.
- Cash flow fluctuations
- Unforeseen outgoings
Make an enquiry about Commercial Lending
Treasury and FX
We offer a full range of currency accounts for commercial clients.
- Foreign exchange dealers provide detailed weekly commentary on markets
- Expert views on exchange rates for when you are creating budgets
- Forward contracts available to protect you from exchange rate fluctuations, ensuring profits are locked in
- Foreign currency up to £7,500 in value, delivered free of charge. Advise us by noon and you will receive it by 1pm the next day.
Everyday Banking
Through online banking, contactless debit cards and chequebooks, you and your teams can manage the day-to-day financial operations. With a relationship manager on hand to support, you can be confident you are in control. We also offer worldwide money transactions.
Switch Service
Using the Current Account Switch Service, you can quickly and easily transfer your banking to Arbuthnot Latham.
Becoming a client
Take control of your finances today by completing our enquiry form. Alternatively, you can call us on the number below and one of our team will be more than happy to talk about your future.
Commercial Banking with Arbuthnot Latham gives you all the benefits of modern banking wherever you need to operate in the world.
Solutions for your business needs include:
- Current accounts with contactless Visa debit cards
- Online banking
- Flexible borrowing facilities
- Money transmissions worldwide
- Notice accounts
- A focused portfolio of Treasury and Foreign Exchange services
Commercial
Business Recovery Hub
Supporting you and your teams as you transition to a post-lockdown working environment.
Interviews
The Success Series
Shining a light on the people breaking boundaries, taking a leap of faith, creating something new and offering a hand up to the next generation. Through a series of interviews, we discover what it takes to make that leap of faith to start up, share the joy of reaching goals, and understand how to get back up if you stumble.
Commercial Banking Teams
In-house expertise in the media sector
Our Commercial Banking media team offers bespoke solutions across a range of sectors, from television to theatre, marketing services and the video game industry.
Our team of dedicated experts have a collective 75 years experience in the media sector. Working across the whole of the UK , they will work with you to tailor solutions suited to your needs.
Our clients value our close relationship ethos. We work in partnership with our clients to support them as they grow, with a clear focus on delivery and a dedicated personal service. Many clients move to us from major high street banks in search of a more personal and tailored service.
Our specialist team understands the changing nature of the media industry and use their expertise to support your requirements and deliver solutions that work for you.
Find out more about the Media Team
Regional teams
Exeter • Bristol • Manchester
We are here to help you build, invest and grow
At Arbuthnot Latham, we know that every project and every client is different. Our dedicated team of experienced relationship managers will take the time to understand your requirements and tailor a solution that works for you.
Whether you are developing or investing, we offer solutions for residential and commercial property. Our professionalism and proactivity enables us to help our clients achieve their vision. We pride ourselves on our expertise, integrity and innovative approach. Our bespoke lending structures enable our clients to attain their funding requirements in a streamlined and sensible way.
Our commitment to communication and service delivery adds value in an environment where these factors are key to client satisfaction.
Find out more about the Real Estate Team
Regional teams
Exeter • Bristol • Manchester
Overview
Arbuthnot Latham offers lending solutions to introducers and clients to create tailored loan facilities typically from £1m to £20m.
Whether you’re looking to finance Mixed-use Portfolios, large residential portfolios including HMOs and multi-unit blocks, build to rent and Private Rental Sector schemes, our lending team is here to advise a wide range of applicants including those with more complex corporate structures.
Contact
To find out more please contact us via email at ALREFenquiries@arbuthnot.co.uk with brief details of your proposal including your contact details.
Find out more about Buy-to-Let
Regional teams
Exeter • Bristol • Manchester
Positioning you for future growth
The more we know about your business, your plans and aspirations, the more we can help you. Your team of specialists understands the commercial market and has a broad range of knowledge and professional experience across a wide range of sectors.
We understand that different businesses need different solutions, which is why our teams have experience across a range of sectors as well as access to treasury, FX and credit specialists within the Bank.
Our sector expertise includes:
- Education and Not-for-Profit
- Healthcare
- Professional Services
- General Trading
- Leisure
- Manufacturing
- Retail/Wholesale
- Recruitment
- Technology and Telecommunications
Find out more about the Specialist Team
Regional teams
Exeter • Bristol • Manchester
Latest insights
Read our latest thinking
Commercial Banking with us
Current & historic rates
Find out more about the details of our current and historic rates. You'll also find information on reference rates, VISA exchange rates and more. You can discuss any queries you have with your dedicated relationship manager.
Business Banking Online
However you choose to view your finances, our online facilities adapt to your desktop, tablet or smartphone requirements. Your Online Banking service provides access to your finances wherever you are.
Switching to us
Switching to Arbuthnot Latham couldn't be simpler with the Current Account Switch Service. Find out more with our Switch Service Guide and check if your current bank is part of the Switch Service.
Are we the bank for you?
Interested in banking with Arbuthnot Latham? Send us an enquiry, we will be more than happy to talk about your future.
Enquire about becoming a client
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