Understanding your finance options

Reviewing your lending application and our decision

If we say no to your lending application, you can ask us to look at it again within 30 days of the decision. We may ask you for more information to help us review it. You can find more details on our Business borrowing and reviews page under ‘Appealing your application’.

How to ask for a review:

• For business overdrafts, you can call us on 0330 678 2509 or talk to your Business Banking Manager and they’ll explain what to do next
• For business credit cards, you can request an independent review online

About your review

• Someone new from our Business Lending team will look at your application. They'll check to see how we made the first decision. If needed, they may ask for more information. We’ll give you a decision as soon as can, but it can take up to 30 days.
• Independent auditors check that our appeals process is fair.

If we still say no

• You can ask us to refer you to a government approved platform within 30 days of the decision. This platform will try to match your business with another lender who may be able to help. UK Finance has a factsheet that explains how this works.
• With your consent, they’ll seek to match your business' needs with the most suitable lender for your circumstances. For more information look at our Business borrowing and reviews pages and click on the ‘Referral’ tab.

Important to know

• All lending is subject to status, availability and our lending criteria. The right to decline any application is reserved.

General help and support services

Need more general help with understanding the types of lending available to businesses? Worried about debt? Just need a bit of guidance on how you can move your business forward? There are lots of places you can go for help.

We've got some useful information to help you understand what alternative forms of support are available for your business.

There are also other options below. This isn’t a full list, and there may be other options worth looking into.

We’re not responsible for these websites, their content, or whether they’re available. We also can’t promise you’ll get funding from any other finance provider.