Identity and verification
We may need to verify the applicant, authorized business representatives, ownership details, contact information, and the stated purpose of funding.
Assessment
How applications are assessed
Each request is assessed on its own facts and under the rules that apply in the applicant's location. No single factor guarantees approval.
Affordability and capacity
The review may consider income or revenue, existing commitments, cash flow, regular expenses, and whether proposed repayments appear sustainable.
Credit and business information
Where permitted, credit history, repayment behavior, time in business, industry, customer concentration, and financial performance may form part of the review.
Possible outcomes
A request may be approved, declined, referred for more information, or presented with different terms. Any offer remains subject to its written conditions.
We do not publish universal approval thresholds because criteria vary by product, applicant, jurisdiction, and the information available at review.
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