If an application is declined and you believe something was missed or has since changed, you can ask us to take another look. A reconsideration is not automatic — there needs to be new or clarifying information — but the door is not closed the moment a decision goes against you.
When reconsideration helps
It is worth raising if the decision rested on something you can now explain or evidence — an unusual month, a detail that was out of date, a filing since brought current. If nothing has changed, a fresh outcome is unlikely; understanding why it was declined is the first step.
Give us the specific thing that changes the picture — a management figure, corrected details, or context on the accounts. How to send it is in how to send us a document we asked for.
Otherwise, strengthen and re-apply
If there is no new information yet, the better route is often to act on the reasons and re-apply later — see how long to wait before re-applying after a decline and what strengthens an application. To talk it through, a person is available or use general support.
When the picture has genuinely improved, apply again.
We lend only to UK limited companies and LLPs, the loan is to the company with no director personal guarantee, and this is business finance outside the consumer-credit regime — as an exempt lender under Article 60B of the Regulated Activities Order we sit outside FCA consumer-credit regulation, so the Financial Ombudsman Service and FSCS do not apply.
See also: Why an application might be declined?, How long to wait before re-applying after a decline?, What strengthens an application?.