I am a returning customer — do I need to do the whole application again?

If you have applied with us before — and the previous loan was managed in good standing — we treat that as the starting point for a fresh application, not as a blank page. The full new-customer flow is not needed.

What is re-used

• Your identity and director details, with a quick confirmation that nothing has changed.
• The company details, with a quick check against Companies House to refresh anything that has.
• Your contact information, where you have asked us to keep it.

What we still need

• Fresh bank statements (or a fresh Open Banking connection) covering the most recent six months — affordability is always assessed on current data.
• Confirmation of the new loan purpose and the amount you want to borrow.
• A new Key Information Sheet (KIS) and a new Business Loan Agreement to sign — every loan is its own agreement, even if the company is the same.

The whole returning-customer flow typically takes a few minutes inside the portal, and the decision tends to be quicker because the picture is already familiar to our credit team.