Lending appeal

At HSBC we’re keen to provide financial support to businesses by lending to them responsibly. If you have applied for business lending which we’ve been unable to approve, you can ask for the decision to be reviewed using our declined lending appeals process. We will make sure that all appropriate information was correctly factored into our original decision.

You are able to use this appeals process in the following circumstances:

• We are not prevented from lending to you, for example for legal or regulatory reasons or due to economic or trade sanctions
• Your existing lending is not already subject to formal demand or enforcement or legal proceedings
• You have submitted a formal lending application
• Your appeal relates to a lending application declined within the previous 30 days or for appeals relating to conditions of lending, your appeal is made before the expiry of the lending offer
• Your annual group turnover is less than £25m
• You requested lending facilities for a period of more than 45 days

Please note: This process should not be used:

• For objections to the proposed costs of agreed lending (such as interest rates, fees and costs)
• Regarding standard terms and conditions HSBC attaches to such lending.

Please ensure you have reviewed our guide to Business Borrowing which provides further information about how we assess your application and how to review your credit file especially in instances where you have been declined for credit scoring or adverse credit.

If your requirements have changed - for example if you wish to borrow a different amount, or you have new information such as winning a new contract or you have revised Cashflow forecasts, you will need to re-apply for lending with your updated requirements and supporting information.