2 min read
The high-impact moves
Bring filings up to date, run all income through the business account, clear or arrange any small arrears, and avoid a flurry of hard searches. Each cleans a signal a lender reads.
Then size it right
Preparation also means choosing a sensible amount and term so the request comfortably passes affordability. A well-prepared application is both more likely to be approved and more likely to earn a keener rate. See the preparation how-to.
Applying
Tidy up, size sensibly, then apply online.
Frequently asked questions
How long before applying should I prepare?
A few weeks is often enough to bring filings current, clean up banking and clear small arrears — the changes that most improve how a lender reads your application.
What single thing helps most?
Consistent, evidenced income through the business account. It is the clearest proof of affordability, which is what most drives an approval.
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