If we need anything further after you apply, we tell you clearly — through your secure portal, with a nudge so you do not miss it. You will not be left guessing, and the sooner you respond, the sooner the decision continues.
Where the request appears
Any outstanding item shows in your portal, where you can see exactly what is needed and respond. We keep the detail behind your login rather than in email — will i get an email or portal message with the decision. What we might ask for is in what documents we might ask you to provide.
A pending request pauses the clock until it is met — why might a decision take longer than expected. Sending it quickly, via the secure route in how to send us a document we asked for, keeps things moving. This is what a "more information needed" outcome means.
Beware imposters
A genuine request comes through your portal, never as a demand for your password or a fee — how do i know a message about my application is really from you. Check by signing in directly.
Apply, and watch your portal for any follow-up.
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: What documents we might ask you to provide?, How to send us a document we asked for?, What does a 'refer' or 'more information needed' outcome mean?.