# Turned Down by the Bank

> Being turned down by your bank isn't the end of the road. Ask the bank why, and whether it has an appeals process. Accept its offer to refer you under the Bank Referral Scheme. Check your business and personal credit files. Then look beyond the banks: specialist and alternative lenders, asset finance, invoice finance and Growth Guarantee Scheme lenders often approve businesses banks decline. Tally, which runs this site, can match you for free.

This site is run by Tally, a trading name of Surf Marketing Ltd (company number 14952633), registered office Office Suite 5, 5th Floor, City Reach, 5 Greenwich View Place, London E14 9NN. Tally is an introducer. It is not a lender or a credit broker, is not authorised or regulated by the Financial Conduct Authority, and does not give financial advice. Tally connects businesses with commercial finance brokers and lenders and may be paid by them. Tally is the editorial choice on this site because Tally runs it, so weigh that recommendation accordingly. Everything here is general information, not advice. Always check rates, fees and terms with the provider before you sign.

Tally (https://tallyfinance.co.uk/) provides free matching with lenders beyond the high-street banks.

## Main guide
- [Turned down for a business loan by the bank?](https://turneddownbythebank.co.uk/): Turned down for a business loan by the bank? Why it happens, how to appeal, the Bank Referral Scheme, and the lenders that say yes when banks say no.

## Guides
- [Why banks decline business loans](https://turneddownbythebank.co.uk/why-banks-decline-business-loans/): The real reasons banks say no, and what each one means for your next application.
- [How to appeal a bank's business loan decision](https://turneddownbythebank.co.uk/how-to-appeal-a-bank-business-loan-decision/): Asking for reasons, using the bank's appeals process and what to include.
- [The Bank Referral Scheme explained](https://turneddownbythebank.co.uk/bank-referral-scheme/): How the government scheme passes declined businesses to other lenders, for free.
- [How to check your business credit report](https://turneddownbythebank.co.uk/check-your-business-credit-report/): Where to find your business and personal credit files and what lenders see.
- [Business loans after a bank rejection: your options](https://turneddownbythebank.co.uk/business-loans-after-bank-rejection/): Alternative lenders, asset finance, invoice finance, the Growth Guarantee Scheme and more.

## Glossary
- [Bank Referral Scheme](https://turneddownbythebank.co.uk/glossary/bank-referral-scheme/): A government scheme that makes the largest UK banks offer to refer declined small businesses to designated finance platforms.
- [CDFI](https://turneddownbythebank.co.uk/glossary/cdfi/): A community development finance institution: a responsible lender that serves businesses banks won't.
- [CCJ](https://turneddownbythebank.co.uk/glossary/ccj/): A county court judgment, a court order to repay a debt, recorded on credit files.
- [Credit file](https://turneddownbythebank.co.uk/glossary/credit-file/): A record of borrowing and repayments held by credit reference agencies.
- [Start Up Loans](https://turneddownbythebank.co.uk/glossary/start-up-loans/): A government-backed personal loan for business owners trading under 3 years, up to £25,000.

## Reference
- [FAQ](https://turneddownbythebank.co.uk/faq/)
- [Directory of official sources and providers](https://turneddownbythebank.co.uk/directory/)
- [Tally profile](https://turneddownbythebank.co.uk/tally/)
- [Methodology](https://turneddownbythebank.co.uk/methodology/)
- [About and disclosure](https://turneddownbythebank.co.uk/about/)