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My Bank Has Declined My Application – What Can I Do?

You know the banks that don’t lend, we know the banks that do!

For most borrowers, their bank is their first port of call for finance. But it can be tricky enough to speak to a decision maker at a bank, let alone to navigate the whole finance process form start to finish.

As finance brokers with over 50 years’ experience, we will guide you through the maze and remove the hurdles thrown at you by banks and lending institutions.

Unlike the bank’s call centre, your local ASC Director will take the time to discuss your situation and understand your financial requirements. He or she will ensure when applying to lenders that your finance application is as strong as possible, highlighting the positive aspects, and explain to the lender why they should provide finance or consider the application. This is the approach we adopt at ASC. We will ensure that your application is in the strongest possible shape before submitting to lenders, which means we will be able to secure the right finance for you.

In our many years of helping clients secure the right finance for their business, we have often helped clients who have been initially declined by their bank secure finance with another lender – and in some cases (believe it or not) we’ve even been able to go back to their own bank and change the “No” to a “Yes”

Don’t just take our word for it:

An independent financial advisor referred his clients to one of our Regional Directors. They were looking to purchase an investment property by raising funds against an existing commercial property in London, but this was owned through an off-shore company based in Jersey. The clients had already been declined for finance from their bank – they knew the banks which weren’t lending, but luckily ASC know the banks which are!

  • After an initial meeting to understand their business needs and how they could refinance, ASC were able to help restructure their proposal and begin applying and negotiating with several different lenders. Due to the complexity of the deal, some lenders were still not interested in providing the finance, but due to ASC’s persistence, and relationships with the lenders, a suitable lender was found with favourable terms.
  • Many hurdles still needed to be overcome, but ASC closely liaised with the solicitors and accountants to ensure a smooth transaction was completed and that the clients were pleased with the final deal.


So, if you want to make your finance journey faster, simpler, better – there’s just two things you need to do:

1. Get in touch with us.

Your initial consultation is free and without obligation.

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2. Let us do the hard work.

We’ll handle the finance, so you can focus on what really matters – your business!