There is no trick to passing an assessment, and we would never suggest one. But a few honest steps help the decision engine see your limited company or LLP accurately, which can support a better-fitting offer.
Give a complete, accurate picture
- Make sure your company details match Companies House records
- Connect your main business bank account so trading is visible
- Choose a borrowing amount that genuinely matches the purpose
Keep the business in good order
- Keep existing commitments up to date
- Run income and costs through the business account rather than elsewhere
- File company information on time
Be realistic about the request
Asking for an amount and term that sit comfortably against your trading is more likely to succeed than stretching for the maximum. The assessment is looking for sustainability, not ambition.
Even a well-prepared application may be offered less than requested, placed on a different product, or declined if the figures do not support it. That is the assessment doing its job.
See also: What can weaken your application, How to build a simple cash-flow forecast to stay ahead of payments and How to prepare your company before you apply.