Review Process

Take a look at this short video to learn more about how the process works.

The Review Process Step-by-step

  1. Have you checked you are eligible?

  2. Have you been through the bank's internal appeals process?

    You must first appeal your bank’s decision through their own internal appeals process. This may result in your loan being approved. If you have not yet requested a bank internal appeal and you need help, get in touch with us.

  3. Complete your Credit Review application

  4. Enclose your fees

  5. Post your application to Credit Review

  6. We get in touch with your bank on your behalf

    Credit Review asks your bank to clarify their decision and explain why credit facilities have been refused, reduced or withdrawn.

  7. A Credit Reviewer reviews your case

    We look at all of the information taking into account the overall viability of your business and its ability to repay the loan.

  8. We make a recommendation

    Once we’ve reviewed your case in detail, we form our expert Opinion on the bank’s credit decision and offer our recommendations.

  9. Next steps

    Your bank responds to Credit Review and confirms next steps. Your bank must comply with our recommendations or explain why they are not following our recommendations.

In over 80% of cases, the bank has complied with our recommendations.


The process typically takes about 4 weeks from receipt of an eligible application to Credit Review issuing an Opinion.

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