Revolut Business loan
Revolut Business loan: who qualifies, and the alternatives if you are declined. Typical criteria: Revolut Business account with sustained trading flow. Ticket range Limited; offered selectively. If the bank declines, the specialist UK lenders below approve many cases the high street turns down. This is information, not a credit decision.
Quick verdict
- Owner: Revolut Ltd (UK e-money licence; full UK banking licence pending / partial as of April 2026).
- Ticket band: Limited; offered selectively.
- If declined, the strongest 3 of 4 alternatives 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 Ltd (UK e-money licence; full UK banking licence pending / partial as of April 2026)
- 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.
- Last reviewed
- 2026-06-12
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; route SMB borrowing via fintech alternatives.
Alternatives we route to
- 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 Business loan may ask for additional documents specific to the facility type or sector.
FAQ
How big a ticket does Revolut cover?
Ticket range: Limited; offered selectively. Decision pattern: In-app pre-approval where it applies. Open-market application not the primary route.
Why does Revolut decline applications?
Revolut prioritises existing-customer lending; outsiders typically routed to alternatives.
What should I do if Revolut declines my application?
Use Revolut for international payments and account; route SMB borrowing via fintech alternatives.
What are the best alternatives to Revolut?
Alternatives we route to: iwoca; Funding Circle; Allica Bank; YouLend (marketplace sellers).
Related banks
Looking for something different?
- For invoice finance, see MarketInvoice.
- For card terminals and merchant accounts, see TakeCardPayments.
Run the matcher
Tell us what Revolut Business loan declined or what you need, and we will match against the FundBiz panel. Limited companies, LLPs and partnerships of 4+ only.
Open matcher →Last reviewed: 2026-06-12.