Lender comfort topics

Most UK SMB finance declines come from the procedural side rather than the credit score: Companies House status, director ID verification under ECCTA, beneficial-ownership clarity, accounts-filing health. The underwriter wants to see a clean public record. These pages cover the specific procedural checks lenders apply and how to clear each one before the file lands on their desk.

Companies House director ID verification (ECCTA)

How the 2023 Economic Crime and Corporate Transparency Act director ID verification rules affect SMB finance underwriting. Lender soft-flags vs hard declines and the route to fix.

More lender-comfort topics will be added over time. If you have a specific underwriter flag we haven't covered, contact us.

Talk to a business finance broker about your options

Free, no obligation, about 2 minutes. We pass your enquiry to a business finance broker, who will contact you. FundBiz does not run a credit check.

Step 1 of 3 · Your business

We save your answers as you go. Nothing is sent to a broker until you press "Send my enquiry".

Start typing and we'll search Companies House.

How FundBiz uses your details: privacy notice.

Free to use · No credit check by FundBiz · Limited companies, LLPs and partnerships of 4+