Yes, often. A bank applies one credit policy. We work across a panel of more than 100 lenders, including challenger banks, specialist funds and lenders accredited for the Growth Guarantee Scheme, so a no from your bank isn't the end of the road.
Why another lender might say yes
- Different appetite. Every lender has sectors and case types it likes. The same case prices differently across the panel.
- A different shape of finance. A term loan might be a no where asset finance or invoice finance is a yes. See What types of business growth finance are there?.
- The Growth Guarantee Scheme. A government guarantee to the lender can turn a near miss into an approval. See What is the Growth Guarantee Scheme (GGS)?.
What we need from you
Tell us what the money is for, how much you need, your trading history, the security you can offer, and what your bank said. Knowing why the bank declined helps us route the case.
When we'd tell you not to borrow
If repayment depends on a one-off spike, or there's no clear source of repayment, a loan won't fix the problem. It just defers it, with interest. If that's your case, we'll say so before you sign anything, and tell you what to fix first.
For more, read When your bank cuts your overdraft.
Last reviewed: 8 October 2026