DECLINE EVIDENCE PACK
FundBiz (fundbiz.co.uk)

Three templates for after a UK business loan decline: a letter asking
the lender to put the decision on record, a one-page management
accounts summary, and an aged creditor list. General information, not
financial or legal advice. Worked examples and sources:
https://fundbiz.co.uk/templates/decline-evidence-pack/

----------------------------------------------------------------------

PART 1: DECLINE LETTER REQUEST

[Your name], [role]
[Company name], company number [number]
[Address]
[Date]

[Lender name]
[Lender address, or the email address on your decline notice]

Dear [name or "Business Lending Team"],

Re: application [reference] for [amount / product], declined on [date]

Thank you for letting us know the outcome of this application. We
aren't asking you to reconsider it. We'd like the decision on record
so we can prepare properly before approaching any other funder. Please
could you confirm in writing:

1. The main reason or reasons the application was declined.
2. Whether a credit reference agency search was used in the decision,
for the company or for any director, and if so which agency, so we can
check the data is accurate.
3. The date and type of any search you recorded, and whether it was
recorded as a full (hard) search.
4. Whether any part of the decision rested on information we supplied
that you consider incomplete, and if so what was missing.
5. [Designated banks only] Whether, when you told us the application
was unsuccessful, you asked if we agreed to our details being passed
to the designated finance platforms under the Small and Medium Sized
Business (Finance Platforms) Regulations 2015. If we didn't give that
agreement at the time, please treat this letter as our agreement.
[Delete this item if you don't want a referral.]

A reply by email to [email address] is fine.

Yours sincerely,
[Name], [role]

Item 5 applies only to the banks designated under the Bank Referral
Scheme. See https://fundbiz.co.uk/templates/decline-evidence-pack/ for
the current list and the exclusions, with sources.

----------------------------------------------------------------------

PART 2: MANAGEMENT ACCOUNTS ONE-PAGER

Company name and number: [ ]
Period covered: [e.g. 6 months to 31 August 2026] against [same period
last year]
Date prepared: [ ]   Prepared by: [ ]   Reconciled to bank: [yes / no]

TRADING                              THIS PERIOD     SAME PERIOD LAST YEAR
Revenue                              [        ]      [        ]
Cost of sales                        [        ]      [        ]
Gross profit                         [        ]      [        ]
Gross margin %                       [        ]      [        ]
Overheads (excluding depreciation)   [        ]      [        ]
EBITDA                               [        ]      [        ]
Depreciation                         [        ]      [        ]
Interest on existing borrowing       [        ]      [        ]
Profit before tax                    [        ]      [        ]

POSITION AT PERIOD END
Cash at bank: [        ]
Trade debtors: [        ]
Trade and other creditors, excluding HMRC (from the aged creditor
list): [        ]
HMRC balances (from the aged creditor list): [        ]
Existing borrowing outstanding: [        ]

NOTES
1. Anything one-off in either period: [ ]
2. How the decline reason looks in these figures: [ ]
3. Anything that changes next quarter: [ ]

Reconcile every figure to your bank statements and to your last filed accounts before sending.

----------------------------------------------------------------------

PART 3: AGED CREDITOR LIST

As at [month-end date]. One row per creditor. HMRC goes in, one row
per tax. Director loans to the company and long-term borrowing stay
off this list; they go on the one-pager.

Columns: Creditor | Type (trade / HMRC / finance / other) | Not yet
due | 1 to 30 days overdue | 31 to 60 days overdue | 61+ days overdue
| Total | Status (agreed date, dispute, Time to Pay ref)

1. [creditor] | [type] | [ ] | [ ] | [ ] | [ ] | [total] | [status]
2. [creditor] | [type] | [ ] | [ ] | [ ] | [ ] | [total] | [status]
3. [creditor] | [type] | [ ] | [ ] | [ ] | [ ] | [total] | [status]
4. [creditor] | [type] | [ ] | [ ] | [ ] | [ ] | [total] | [status]
5. [creditor] | [type] | [ ] | [ ] | [ ] | [ ] | [total] | [status]
6. [creditor] | [type] | [ ] | [ ] | [ ] | [ ] | [total] | [status]
7. [creditor] | [type] | [ ] | [ ] | [ ] | [ ] | [total] | [status]
8. [creditor] | [type] | [ ] | [ ] | [ ] | [ ] | [total] | [status]
TOTAL | | [ ] | [ ] | [ ] | [ ] | [ ] |

A spreadsheet version with formulas: https://fundbiz.co.uk/downloads/aged-creditor-list-template.csv