You can request a review within 30 days if your overdraft or credit card application has been declined. You can find more information on our Business Borrowing and Reviews page under 'Reviews’.
You can compare our business overdrafts, loans and business bank accounts against others. While we don’t endorse or recommend any source on the list, it may help you find other ways to get finance. You can find out more on the government-designated platforms as well as general help and support services below.
If money is a bit of a struggle for you at the moment, you’re not alone. The last couple of years have been difficult, and we’re now seeing rises in the cost living and doing business. We’re here to help, and you can find more resources on our support page.
If we decline your application, you have the right to a review within 30 days. This means asking us to reconsider our decision. We may ask you to give us some more information to support your review.
Our appeals process is overseen by a team of external independent auditors. Find out more about their reports.
How to get your application reviewed:
- For business overdrafts and credit cards, you can talk to your Business Banking Manager. They'll guide you through the process.
- For business credit cards, you can request an independent review online.
After your review
A different member of our Business Lending team will review your original application. They'll look at the information you provided and review how the original decision was made. They may also ask for more information to support your review. We'll give you a decision as fast as we can, though the full review process may take up to 30 days.
All lending is subject to status, availability and our lending criteria. We can decline any application.
Swoop lets you compare finance providers based on how you like to use your account.
Alternative Business Funding lets SMEs find and compare a range of funding choices.
Funding options lets you scan the market to find the options that best suit your needs.
Funding Xchange lets you compare quotes for your business from over 30 finance providers.
You have the right to request a referral within 30 days if Santander declines your application. For more information take a look at our Business Borrowing and Reviews pages and click on the ‘Referral’ tab.
This isn't a complete list of alternative ways to source finance, and you may find other options you want to think about.
We're not responsible for the websites mentioned or their content and availability. We can't guarantee the outcome of applications with any other finance providers.
For independent debt advice, you can visit the Business Debtline's website or call on 0800 197 6026.