60-second eligibility check reveals why you were declined and whether alternative funding routes are viable with intelligent case restructuring.
Clear diagnostic before any application
Why you were declined and whether the issue is fixable — credit profile, trading history, security shortfall, affordability, or unsuitable purpose.
Which specialist lenders or alternative structures may accept your case — asset-based lending, revenue finance, merchant cash advance, or bridging.
How to reposition your case to align with lender criteria — adjusting amount, term, security, or purpose to improve approval probability.
Clear recommendation on whether to proceed, what documentation is needed, and realistic timeline for funding deployment.
You have been declined by a bank or mainstream lender and need alternative routes
You were declined due to credit issues, short trading history, or sector concerns
You need funding urgently but previous applications have failed
You want to understand why you were declined and whether it is fixable
You need intelligent case restructuring to improve approval probability
You want a diagnostic review from a lender-aware funding specialist
How we secured funding after three bank declines
Retail & E-commerce
Established footwear retailer needed £85k to consolidate three existing facilities and fund seasonal stock. Declined by three banks due to "existing debt levels" despite 15 years trading and consistent profitability.
We reviewed the decline reasons and identified that the issue was not affordability but structure. The existing facilities were expensive and poorly timed. We restructured the case as a consolidation + stock finance facility, demonstrating improved cash flow and reduced monthly cost.
£95k facility approved in 14 days. Consolidated three expensive facilities into one structured loan, reducing monthly cost by 35%. Additional £20k stock finance line for seasonal inventory. Business now has single facility with better terms and improved cash flow.
Diagnostic first, application second
Answer 8 quick questions about your business, previous decline, and funding need. No credit check, no obligation.
See your estimated funding range, alternative routes, and whether your case can be restructured. Understand your options before any formal application.
If your case is viable, a BR Finance specialist reviews your decline, restructures the opportunity, and identifies specialist lenders who may accept.
We submit to the right lender with the right structure, avoiding repeat declines and maximizing approval probability.
60-second eligibility check. No credit impact. Clear diagnostic before any application.