What happens if I cannot connect my bank?

Open Banking is the quickest route, but it is not the only route. If you cannot connect — your bank does not support it, the connection failed, you would rather not, or you do not have online banking — you can upload PDF statements straight into the application.

What we need

We need the last six months of statements on the business bank account that the loan would be paid to. They should be:

• downloaded directly from your bank as PDFs (not screenshots and not photographs);
• complete months, not partial windows;
• uploaded into the application — there is a step for this.

What happens next

Once uploaded, the statements are read and categorised by our system in the same way as Open Banking data, and the decision continues from there. The only practical difference is timing: PDF processing takes a little longer than a live connection, so the same-day-decision window is narrower.

If you have a partial set of statements (for example because the bank only lets you download three months in one go), upload what you have and use the in-application chat to tell us. We will follow up rather than block the application.