Where Open Banking is offered it can be the quickest route, but it is optional and never the only route. Uploading your statements yourself is fully supported — for many applicants it is the default. If you are not using Open Banking — your bank does not support it, the connection failed, you would rather not, or you do not have online banking — you can upload PDF or CSV statements straight into the application.
What we need
We need the last six months of statements on the business bank account that the loan would be paid to. They should be:
- downloaded directly from your bank as PDFs (not screenshots and not photographs);
- complete months, not partial windows;
- uploaded into the application — there is a step for this.
What happens next
Once uploaded, the statements are read and categorised by our system in the same way as Open Banking data, and the decision continues from there. The only practical difference is timing: PDF processing takes a little longer than a live connection, so the same-day-decision window is narrower.
If you have a partial set of statements (for example because the bank only lets you download three months in one go), upload what you have and use the in-application chat to tell us. We will follow up rather than block the application.