Loan offers are time-limited. If you did not sign your offer document before the expiry date shown in your portal, the offer will have closed. Here is what happens next and your options.
Why offers have an expiry date
Your offer is based on information verified at a specific point in time — your bank data, company financial position, and credit profile. An offer that stays open indefinitely could be based on stale information, which would not be fair to either party. The expiry date is typically 14 to 30 days from issue; the exact date is shown in the offer document itself.
Can an expired offer be reinstated?
In some cases, yes. If your offer expired recently and your circumstances have not changed significantly, contact us using the General Support Enquiry form to ask whether reinstatement is possible. We will review your account and let you know quickly.
Reinstatement is not guaranteed — we may need to re-verify your bank data before we can reissue the offer, and the reinstated offer may carry the same or updated terms depending on what has changed.
If the offer cannot be reinstated
You will need to submit a fresh application. Because we already hold your company's details, some parts of the process may be faster second time around — but you will need to reconnect Open Banking so we have current bank data.
- Sign in to the portal and start a new application from the Apply section.
- Connect your business bank account via Open Banking when prompted.
- Submit the application. Our team will review it and issue a new decision, typically within one business day.
If you need longer to review your offer next time
If you anticipate needing more time — for example, to get a legal or financial adviser to review the terms — contact us before the offer expires and we will try to extend the deadline. We cannot extend an offer after it has already closed.
See also: How long is a loan offer valid?, What happens if your application is declined?, I cannot download my loan agreement or documents.