Revolut Business loan
Who qualifies, and the alternatives if you're declined. Typical criteria: Revolut Business account with sustained trading flow. Ticket range Limited; offered selectively. If the bank declines, the specialist UK lenders below may consider some cases the high street turns down. This is information, not a credit decision.
Quick verdict
- Owner: Revolut (Revolut Bank UK Ltd, a fully licensed UK bank since the PRA lifted its mobilisation restrictions, announced 11 March 2026; check whether your business account has moved to the bank or is still with the e-money entity Revolut Ltd).
- Ticket band: Limited; offered selectively.
- If declined, the first 3 of 4 alternatives to look at are: iwoca, Funding Circle, Allica Bank.
At a glance
- What they offer
- Revolut Business is primarily a business account product. Lending offered selectively to existing customers.
- Owner entity
- Revolut (Revolut Bank UK Ltd, a fully licensed UK bank since the PRA lifted its mobilisation restrictions, announced 11 March 2026; check whether your business account has moved to the bank or is still with the e-money entity Revolut Ltd)
- Ticket range
- Limited; offered selectively
- Typical criteria
- Revolut Business account with sustained trading flow.
- Decision pattern
- In-app pre-approval where it applies. Open-market application not the primary route.
Common decline reasons
- Revolut prioritises existing-customer lending; outsiders typically routed to alternatives.
If you have been declined
Use Revolut for international payments and account; for borrowing, look to fintech alternatives.
Alternatives to consider
- iwoca
- Funding Circle
- Allica Bank
- YouLend (marketplace sellers)
What to have ready before you apply
A UK bank or its lending partner will typically ask for the following before issuing a decision:
- Two years of filed accounts plus current management accounts.
- Six to twelve months of business bank statements.
- Director identification and proof of address.
- A clear written summary of how the funds will be used and how they will be repaid.
- Personal guarantee paperwork for limited-company directors (standard for most SMB bank facilities).
This is a generic UK SMB-bank application checklist. Revolut may ask for additional documents specific to the facility type or sector.
FAQ
How big a ticket does Revolut cover?
Limited; offered selectively. How Revolut makes the decision, and how long it takes, is under At a glance above.
Why does Revolut decline applications?
First on the list: Revolut prioritises existing-customer lending; outsiders typically routed to alternatives. The rest are listed under Common decline reasons above.
What should I do if Revolut declines my application?
Use Revolut for international payments and account; for borrowing, look to fintech alternatives. The next steps are under If you have been declined above.
What are the best alternatives to Revolut?
It depends on why you were declined and how much you need. We list 4 options under Alternatives to consider above, each with what it suits.
Related banks
Looking for something different?
- For invoice finance, see MarketInvoice.
- For card terminals and merchant accounts, see TakeCardPayments.
Send an enquiry
Tell us what you need in 2 minutes. FundBiz is not a lender and does not run a credit check. We pass your enquiry to a business finance broker, who will contact you about your options. For limited companies, LLPs and partnerships with four or more partners.
Send an enquiry →Last updated: .