Your bank said no. They aren’t the only lender.
OpenLane Finance introduces trading UK companies to Funding Options by Tide, a credit broker whose panel of partner lenders includes specialists that consider businesses with adverse credit or a recent decline.
Move the slider for an indicative monthly cost, then tell us what it’s for.
Based on 36 monthly repayments at 8.9% APR (fixed). Representative 8.9% APR.
Free to check · No obligation · Subject to status
All figures shown are indicative only, not a formal offer, and are subject to status, lender checks and formal approval. Actual rates, amounts and terms are set by the lender.
Representative example: for a business loan of £25,000 over 36 months at 8.9% APR (fixed), you would repay 36 monthly instalments of £794. Total amount repayable £28,584. An arrangement fee of £750 is payable and is reflected in the APR. Representative 8.9% APR.
ConsideredBusiness loans · Invoice finance · Asset finance · Merchant cash advance · Revenue-based lending · Refinancing
A decline is usually about criteria, not your business
High-street lending runs on fixed policy. Miss one rule and the answer is no, whatever the rest of the picture looks like. Specialist lenders set their own criteria — and some of them look at things banks don’t.
Not enough trading history
Many banks want three years of filed accounts. Younger companies get filtered out before anyone reads the numbers.
A mark on the credit file
A late payment, a CCJ, or a difficult year still sitting on the file can end a high-street application automatically.
The wrong sector
Construction, hospitality and haulage are routinely excluded by bank policy, regardless of how the business is performing.
No security to offer
Without property to lend against, a bank often has no product to sell you. Other lenders price on trading performance instead.
A previous decline does not guarantee an offer here. Funding Options by Tide’s panel includes lenders who will consider businesses with adverse credit, but every application is assessed individually and remains subject to status, lender checks and formal approval.
How it works
We are an introducer. The broking is done by Funding Options by Tide — and you can see exactly what that means before you start.
Tell us about your business
A few questions about your company, what you need and what happened with your last application. It takes about three minutes.
We introduce you to Funding Options by Tide
We share your details with Funding Options by Tide, a credit broker. They review your information and search their panel of partner lenders.
See indicative options
If suitable, they will contact you about finance from their panel. Everything is indicative and subject to status, lender checks and formal approval.
The honest picture
What can a declined business actually access?
The high street is one part of the market, not all of it. Invoice finance, asset finance, revenue-based lending and merchant cash advance sit outside most banks’ product sets entirely — so a bank declining you says nothing about whether those routes fit your business.
Eligibility usually turns on trading history, turnover and what the money is for — not the credit file alone. Funding Options by Tide’s panel includes lenders who specialise in sectors and circumstances that high-street policy routinely excludes, including businesses carrying prior adverse credit.
We are an introducer, so we don’t decide any of it. We pass your details to Funding Options by Tide, a credit broker, who review your information and — if it’s suitable — contact you about finance from their panel. It’s free to you, and there’s no obligation to take anything you’re shown.
A previous decline does not guarantee an offer here. Funding Options by Tide’s panel includes lenders who will consider businesses with adverse credit, but every application is assessed individually and remains subject to status, lender checks and formal approval.
What could you fund?
Common questions
My bank turned us down. Is it worth applying here?
That is who this service is for. High-street lenders apply fixed policy — trading history, sector, security, credit file — and one failed criterion ends the application regardless of the rest. Funding Options by Tide’s panel includes lenders who set different criteria. That is not a promise of an offer: a previous decline does not guarantee one here, and every application is assessed individually and remains subject to status, lender checks and formal approval.
Who actually lends the money?
Not us, and not Funding Options by Tide. OpenLane Finance is an introducer — we collect your details and pass them on. Funding Options by Tide is a credit broker who reviews your information and approaches lenders on their panel. Any finance is provided by one of those lenders, under that lender’s own terms and approval process.
Does it cost anything?
Using this site is free to you. Funding Options by Tide receives a commission from the lender for arranging your finance, which does not change what you pay. Any arrangement fee charged by a lender is set by that lender and is reflected in the APR shown on their offer.
What kind of businesses can apply?
Incorporated UK businesses — limited companies, LLPs and similar structures. Sole traders and the self-employed are not eligible for this route, and we will tell you that during the form rather than after. There is no fixed minimum trading period: some lenders on the panel work with businesses trading under three years.
What does adverse credit mean for the application?
Defaults, late payments and CCJs are relevant but not automatically decisive. Some lenders weigh current trading performance alongside the credit history rather than screening on it alone. It is worth explaining the circumstances in the form — context behind a mark on the file is something a specialist lender can take into account.
What happens after I submit the form?
We share your details with Funding Options by Tide so they can review your information and, if suitable, contact you by phone or email about finance offers from their panel of partner lenders. Anything shown to you before that point is indicative only and is not a formal offer.