funding documentation

The documents you need to apply for a loan

When you’re applying for a loan it’s essential to have all the documents in the correct format. Just like applying for a passport, a lender can’t process your application without the right documentation.

get everything in order

Documentation checklist

In order to build a picture of your financial situation, lenders always need to see business bank statements and company accounts. Follow this checklist of dos and don’ts to get everything in order: 

Bank statements dos

  • Connect via Open Banking or supply PDFs

  • Ensure account name matches your company name

  • Show your sort code and full account number

  • Supply 12 months of statements (to today’s date if you can)

Company accounts dos

  • Provide the full version of your accounts

  • Include a detailed profit and loss

Bank statements don’ts

  • Send spreadsheets or photographs

  • Miss any days out – it will just hold up your application

Company accounts don’ts

  • Provide abbreviated or summarised accounts


How to share your bank statements

The easiest way to share your bank statements is via Open Banking, a simple and secure way to give providers access to your financial information.

Open Banking is faster than manually exporting PDF statements yourself, which requires logging into your bank account online. We use an FCA-regulated, bank-grade tool for a one-time connection to your bank account.

Connect to open banking

You can log into your bank’s Online Banking service, download your statements and send them via email, but this takes longer than Open Banking. Here’s how to do it:

  1. Log into your Online Banking 

  2. Find your statements

  3. Choose for the last 12 months

  4. Download as a PDF

  5. Save to your device and send to [email protected]


How to share your company accounts

Your last full company accounts usually consist of:

  1. Profit and loss account (income statement)

  2. Balance sheet (statement of financial position)

  3. Notes about the accounts

  4. A director’s report

Sometimes a shortened, or ‘abbreviated’ set of accounts is filed at Companies House. Lenders need a ‘full’ set to make a decision, so please either send this across, request this information from your accountant or simply introduce us, and we’ll liaise with them on your behalf. 

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