Turned Down by the Bank / Guides / How to appeal a bank's business loan decision
Guide · reviewed 11 November 2026
How to appeal a bank's business loan decision
Answer in brief
Ask the bank to explain the decline and tell you how its appeals process works. Most large UK banks have an appeals process for declined business lending. Put your case in writing, address the bank's specific concerns, and add anything it may have missed, such as recent trading, new contracts or security.
What to include
- Your reference number and the decision date
- Each reason given, with your response
- New evidence: recent bank statements, management accounts, contracts
- What you're asking the bank to reconsider
In the meantime
Appeals take time. You can explore other lenders at the same time.
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