How to Improve Your Chances of Getting Business Funding

Alex BeardsleyFounder & Director

|Updated September 2026

Six checks decide most applications before an underwriter reads a word. The full guide, with the survey figures and every lender floor, is why business funding applications are declined.

1. Clear the published floors: 365 Finance 6 months and £10,000 a month in card sales, Capify 12 months and £10,000 a month, Funding Circle a year or more (read 8 September 2026).
2. File accounts on time; Companies House charges £150 at one month late, £1,500 past six.
3. Read your own director file before a lender does.
4. Gather what the lender lists: eight months of statements at Funding Circle, 12 months plus ID at Capify.
5. Match the product to the need.
6. Apply once, to a lender whose floors you clear.

21 of our 55 unsecured lenders read a business under a year old (checked September 2026).

• UK business loan rejection statistics
• Every lender on the panel, by product

CapExpand Ltd (FRN 1060885) is an Appointed Representative of White Rose Finance Group Limited, which is authorised and regulated by the Financial Conduct Authority (FRN 630772). We are a credit broker, not a lender. We do not provide financial advice.