Complete our enquiry form – this tells us about your organisation and borrowing requirements, which helps us establish whether they fit within our minimum criteria. One of our relationship managers will contact you within 5 days to discuss next steps and to confirm what information we require if we’re able to progress your application.

Once we’ve received the required information, we’ll assess this and propose the potential terms of a loan. If you accept these, your relationship manager will prepare a formal credit proposal for the bank to consider and they will notify you of the outcome as soon as the decision is made, which is usually within 4-6 weeks. However, timings are dependent on circumstance and may take longer.

If your application is declined, we will provide an explanation. You have the right to appeal the decision and for the decision to be considered at the appropriate level. To appeal a decision please contact your relationship manager, who will be able to assist or follow the published complaints procedure.

If your application is successful, we will carry out identification checks on all signatories to the proposed agreement.

Once all checks have been carried out, we will send you the official facility agreement, which you will need to read, sign and return alongside any other documentation we ask for.

We offer a fully non-advised service and recommend you seek independent legal advice before signing the agreement.

Your facility agreement may include conditions which need to be met before we can transfer funds. This is likely to include arranging a valuation and legal due diligence for any property provided as security.

Your relationship manager will let you know what information is needed and estimated timescales for release of funds. You will need to meet all valuation and legal costs.

Once all pre-drawdown requirements have been satisfied, we will transfer your funds to your requested bank account, after the deduction of any facility arrangement fee, disbursement costs and payment transfer fee.