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Two different questions
Eligibility asks: are you the kind of borrower this lender serves — a UK trading company, no hard disqualifiers? Affordability asks: given your cash flow, can you comfortably meet this repayment? You can clear the first and still fail the second.
Why both matter
A perfectly eligible company that borrows more than its cash flow supports is a bad loan for both sides. Sizing the facility to what the business can genuinely afford is how you pass both gates. The full guide walks through it.
Applying
Check eligibility softly, size for affordability with the affordability calculator, then apply online.
Frequently asked questions
Can I be eligible but not affordable?
Yes. You can meet every eligibility criterion yet still fail if the requested amount would stretch your cash flow. Sizing sensibly is the fix.
Which matters more, eligibility or affordability?
Both are required. Eligibility gets you in the door; affordability decides the amount and whether the loan makes sense. Neither alone is enough.
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