Just been told no
What to do after a business loan decline, step by step
The days after a knock-back matter. Here is how to steady things, find out what really happened and avoid making the next application harder.
The first 48 hours
Just had a business loan declined? A calm checklist for the first 48 hours: what to do, what not to do, and how to protect your options for the next try.
Read more →Getting the real reason
Lender won't say why your business loan was declined? How to ask, what to ask for, and how to piece together the real reason from your file and credit report.
Read more →Reapply now or wait?
Wondering whether to reapply after a business loan decline? When to go again quickly, when to wait, and how to make the second application count.
Read more →Declined by your bank
Your own bank declined your business loan? Why long-standing customers still get knocked back, what to ask, and where non-bank and private lenders fit in.
Read more →Declined by an online lender
Declined by an online business lender? Why fast-approval platforms say no, what their algorithms look for, and how a person-led approach can help instead.
Read more →Broker couldn't place it
Broker couldn't place your business loan? What it usually means, what to ask them, and how specialist lenders for declined files may still help.
Read more →Facility not renewed
Bank won't renew your business overdraft or facility? Why it happens, how much time you may have, and the alternative funding that can replace it.
Read more →Refinance declined
Business loan expiring and refinance declined? Options when a term ends, an interest-only period finishes or a private loan needs to be repaid.
Read more →Approval withdrawn
Business loan approval withdrawn at the last minute? Why conditional approvals fall over, how to respond, and the routes that can still meet your deadline.
Read more →Equipment finance declined
Declined for equipment, truck or vehicle finance? Why asset financiers say no, how to strengthen the next application, and what else can fund the purchase.
Read more →Check your credit report
Declined for a business loan? How to check your personal and business credit reports, what lenders see, how to fix errors and what to do with what you find.
Read more →See what your business could qualify for
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