If we have asked for something and hear nothing, the application simply waits — the decision is paused until the missing piece arrives. It is not declined out of hand, but it cannot progress either, so responding, even briefly, is what gets things moving again.
A paused clock
A "more information needed" outcome holds the decision open pending your reply — what does a refer or more information needed mean. While it waits, nothing bad is happening, but nothing good is either. The longer the gap, the more likely your figures need refreshing when you do come back — why might a decision take longer than expected.
Send what we asked for through the secure route — how to send us a document we asked for — and the assessment resumes. You will find any outstanding request in your portal — how will i know if i need to provide anything else.
If you have changed your mind
If you no longer want to proceed, you can simply withdraw — it carries no penalty — does withdrawing an application count against me later. Otherwise, a quick reply is all it takes.
Reply, and your application picks straight back 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 does a 'refer' or 'more information needed' outcome mean?, How to send us a document we asked for?, How will I know if I need to provide anything else after I apply?.