Lending Appeals Process

Informing you about this process is part of our commitment to supporting you and your business.


The right type of funding can play a vital role in helping your business reach its potential. Our business lending appeals process enables you to appeal against a lending decision if your lending application has been declined or you are not completely satisfied with the terms of the lending offer, for example the need to provide security, regular financial trading information or up-to-date property valuations.

Can I appeal a declined decision because of an adverse credit rating?

Yes. However, this may require a full copy of the credit file from a credit reference agency. Agencies hold information that helps lenders establish individuals’ credit record. We need to see proof that an error has occurred or that the circumstances of the adverse information were exceptional.

You are entitled to see all the information any credit agency holds on you and your business. You can request this information by emailing www.equifax.co.uk or by post from:

Equifax Ltd
Customer Service Centre
PO Box 10036
Leicester
LE3 4FS