Decision speed depends on which route the application takes and how clean the inputs are.
The fastest case
An applicant who is a UK limited company, connects via Open Banking, has clear ID and a clean credit profile, and whose bank statements pass our affordability rules cleanly, can expect a decision within minutes. That is the design target of the application flow and it is achievable for most customers.
PDF upload
Where statements are uploaded as PDFs instead, the processing adds time. Allow a few hours within working hours.
Human review
Where the file is referred to a credit officer — because the score is borderline, because there are vulnerability signals, because the situation is unusual, or because we need to ask a question — allow up to one working day. We will keep you updated in the portal at every step.
Out-of-hours
Applications submitted out of hours are queued. The automated steps still run, so the application can be ready for the credit officer to act on first thing the next working morning.