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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.