Turned Down by the Bank / Guides / Business loans after a bank rejection: your options
Guide · reviewed 11 November 2026
Business loans after a bank rejection: your options
Answer in brief
After a bank rejection, your main options are specialist and alternative lenders, asset finance, invoice finance, a merchant cash advance, Growth Guarantee Scheme lenders, community development finance institutions, and Start Up Loans for younger businesses. A broker or matching service can help you pick the right one.
Choosing
- Need equipment? Try asset finance.
- Waiting on customers? Try invoice finance.
- Card-heavy trade? Consider a merchant cash advance.
- Viable but just outside bank criteria? Try a Growth Guarantee Scheme lender.
- Trading under 3 years? Look at Start Up Loans.
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