Almost four out of 10 finance brokers enjoyed a busy start to 2016 but most rate the economic outlook as "fair" rather than "bright".
Brokers also reported a good level of enquiries with only a small proportion seeing a fall in enquiries.
United Trust Bank’s survey of bridging, development finance, asset finance and mortgage brokers are broadly positive but cautious about the future.
Some 32% said they had received a good level of enquiries and just 10% reported lower levels of enquiries than hoped or quiet business levels.
When asked to describe the outlook for the UK economy over the next three years 63% chose a more cautious “fair” prediction against 28% who replied “bright”.
Harley Kagan, managing director of United Trust Bank, said: “It’s encouraging to see that generally most brokers have had a positive start to the year and this reflects our own experience.
“Our asset finance division has been particularly busy, with business volumes in the first quarter 80% higher than in the first three months of last year.
“Our mortgages business has also had an exceptional start with volumes doubling since the start of the year.”
Kagan said EU referendum uncertainty will cause some people to wait before making important financial decisions.
“A vote to leave the EU could have repercussions for the UK economy for many years to come."
“But whatever the nation decides, SMEs, developers and homeowners will still need funds to invest in their businesses and their homes, and we will be here to support them.”