Your accountant or bookkeeper can absolutely help you prepare — gathering figures, sanity-checking affordability, advising on timing. But the parts that commit the company, and the secure bank connection, need the director: this is the company's borrowing, so a director signs and authorises.
Where an adviser helps
They can help you decide how much to borrow, confirm your filings are current, and make sure the picture is clean before you start — all of which strengthens an application. Modelling the repayment together at Credicorp Tools is a good use of their input.
The Open Banking connection and the signature belong to the company, so a director handles those — how the open banking connection works when i apply and who at my company can sign off a credicorp application. Do not hand your login to an adviser; keep it to authorised directors — who can see my application if i share a device.
If you have just changed accountants
A recent change of accountant does not hold you up — the corpus note on changing accountants covers what to expect. Your adviser prepares; you, as director, apply.
Prepare with your adviser, then apply as a director.
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: Who at my company can sign off a credicorp application, What strengthens an application?, How does the Open Banking connection actually work when I apply?.