If you believe our lending decision was reached using incorrect or outdated information — for example a CCJ that was satisfied and not updated on the bureau record, or accounts that were matched to the wrong company — you can ask us to conduct a review. An appeal is not simply a request to reconsider; it works best when there is a specific, evidenced reason to believe the underlying data was wrong.
How to submit an appeal
Contact us in writing by email, referencing your application number and the specific data point you believe to be inaccurate. Include any supporting evidence you have — for example a satisfaction certificate for a CCJ, a letter from a lender confirming a debt was closed, or a screenshot of your bureau report showing a corrected entry. Appeals submitted without supporting documentation are difficult to progress.
What the review covers
Our review will look at whether the data used was accurate at the time of the decision. We are not able to re-run the full underwriting on the basis of new financial information that did not exist at the time — for example, a strong month of trading that occurred after the decision was issued. That scenario is better addressed by a new application once the improved position is reflected in accounts.
Timescale for a review
We aim to provide a response to an appeal within five business days of receiving your written submission and any supporting documentation. If the review finds in your favour and the corrected data materially changes the assessment, we will advise on next steps, which may include issuing a revised decision.
We lend only to UK limited companies and LLPs, and the loan is to the company with no director personal guarantee required. As business finance outside the consumer-credit regime, it is not covered by the Financial Ombudsman Service or FSCS.
See also: Why was my application declined?, Can I reapply after a decline?.