Lenders do not reject good businesses. They reject uncertainty. Your goal is to make your business easy to understand, easy to verify, and easy to repay.
1) Be specific about purpose and repayment
Avoid vague statements like “working capital.” Instead, explain what the funds will do and how they are repaid. For example: purchase inventory for confirmed orders, bridge a 60-day receivables cycle, or fund execution costs for an active contract.
Then state the repayment source plainly: monthly collections, contract milestones, or recurring revenue.
2) Make your bank statements easy to interpret
If there are one-off transactions, add a short explanation. Most delays come from back-and-forth questions that could be avoided with one paragraph of context.
3) Address customer concentration
If a single customer drives most revenue, provide reassurance:
- Relationship length
- Payment behaviour
- Repeat order history
- Backup pipeline
4) Keep the numbers consistent
Misalignment across bank statements, management accounts, and declared figures is a common reason applications slow down. If seasonality or one-off spikes explain the difference, say so upfront.
5) Borrow what your slow month can handle
A smaller facility that fits comfortably can be better than a larger one that stresses repayments. Plan for your “slow month” and ensure repayments still work.
Key takeaway
Clear purpose + clean documentation + realistic sizing is the fastest combination for approvals.
If you want a realistic assessment and a clean application path, apply for financing and we will guide you through what to submit and how to present your cash flow clearly.