How It Works

What will we want from you when you apply

The terms and structure of any loan offer will be entirely at the discretion of the Funding Panel. Your application must be started online, once you’ve checked you meet all of the eligibility criteria.

We will need:

  • Evidence of bank refusal
  • A completed application form
  • Identification including photo ID
  • A business plan (including personal budget)
  • A cashflow forecast for between 1 and 3 years depending upon circumstances
  • Your own statutory credit report from Experian or Equifax
  • 3 months personal bank statements

For existing businesses we will also require:

  • Accounts for up to 3 years
  • Current management accounts
  • 6 months business bank statements
  • In certain circumstances personal guarantees may be required
Apply Now

What Now?

What happens once you’ve applied?

  • You'll have a client manager, who'll work with you on your plan
  • Your personal circumstances will be reviewed
  • If successful, you'll go on to the Lending Panel
  • If approved, your offer letter will outline the full terms and conditions
  • We'll continue supporting you for the term of your loan
  • And we'll expect you to support us too, with mentions on your website and literature