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We rigorously check the lenders joining our network to ensure they offer affordable interest rates and the high level of customer service we want you to experience.

Many of our lenders are Responsible Finance Providers, a network of community based lenders who provide hands on support & loans to businesses who have been turned down by a bank. They provide a personal service and each application is assessed on it’s own merits and on a case by case basis, enabling them to lend to businesses that may not pass an automated credit scoring process.

The mission of all of our lenders is to create a positive social and economic impact and they are often supported by  government initiatives designed to stimulate economic growth through small business development.

Could my business be eligible?

Frequently Asked Questions

You can apply for a loan from £5,000 to £150,000 over a term of 6 months to 5 years.

It’s important that you can afford the loan repayments.

The lending partner will help you decide the right amount to borrow, based on your business plan and growth ambitions.

Our partners are organisations who specialise in lending to companies who have been declined credit from banks.

Your bank is likely to be able to offer you lower rates of interest, if they will support your loan application. We would recommend applying to your bank first.

1. Company Data

We will ask for information about your business and, for incorporated businesses, you can pull much of the data directly from Companies House quickly and conveniently.  You will need to check all details are correct, amend and/or fill any gaps in the data to ensure they are correct as at the time of the application. If your business is not registered at Companies House, you may complete this section manually.

2. Key Person(s)

We will ask for the names and e-mail addresses of the key person/s of the business including: directors, trustees, partners, owners/major shareholders of the company. We will send each individual a declaration form by e-mail during the ‘additional information’ stage of the application process, which will require their consent to undertake identity and credit checks that will leave a hard footprint on their credit report.

3. Borrowing

We will ask for the amount your business wants to borrow and what the money will be used for. We will also ask if you have already been declined for a loan and further details about this, which helps us match you to specific lenders/funders.  You may proceed whether or not you have been previously declined credit and, once matched, you should be contacted by a loan manager within 2 working days, often much sooner.

4. Additional Information

Your dedicated loan manager will ask for further information about your business and/or its key person/s specific to your circumstances. You will receive help and support to ensure that we understand your needs and you understand the risks we are assessing.  You will use your login account, already created at online registration, to securely share information and documents at your own convenience and pace.

5. Notification of Decision

Your dedicated loan manager will update you about the progress of your application, including once it has been formally submitted for a decision.  They will inform you of the decision, which will either be that the loan is approved, declined or further information is required.  If declined, they will explain the risks the loan posed to the business.  If approved, you can use your account login to access the relevant documentation.


Got a question? Email us at [email protected]


Applications are discussed on a case by case basis with your dedicated loan manager and information is provided to you in order for you to make an informed decision about your business loan. You should be aware that neither your loan manager nor AskIf will be able to provide you with financial advice.  Making Loans to incorporated businesses is a non-regulated activity as defined in the FSMA 2000; Regulated activities order 2001 60C. If you are in any doubt as to the suitability of a loan for your business needs please contact a qualified business advisor. Ask Inclusive Finance does not provide regulated credit broking activities and as such will only effect introductions of limited companies, public limited companies or social enterprises to responsible finance providers at this time.

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Most business sectors are eligible for support.

Some restrictions may apply due to the terms of our funding sources.

The purpose of your business must be legal and ethical.

We will not finance any business whose activity may bring us into disrepute.

*Unfortunately, if you are a sole trader or partnership we can’t match you with a lending partner at this time but we hope to be able to provide this service in the future.

Our lending partners may provide credit to businesses provided:

a. One of the company directors is over 18 years of age

b. One of the company directors is a UK resident

c. It is a Limited Company or Social Enterprise*

d. It has (or will open) a business bank account

How much money could my business borrow?

Wh‍‍o are the lenders that AskIf works with?

What to expect in your loan application


To kick off your application you will be asked a few basic eligibility questions, to provide contact details and topline info about your role in the company. Once your account has been registered and verified, you can start the loan application process.

The video below shows this initial stage of the application process.

Online application

Once registered you will be asked to provide mode detailed information about your company and purpose of the loan after which you should be contacted by your dedicated relationship manager within 2 working days.  

Your relationship manager will then decide what additional info they may need to assess your loan application and will support you through the rest of the application.

The video below shows completion of the application before being allocated a relationship manager.  Typically this takes no more than 10 minutes to complete.

The below provides a short description of each stage of the application process post registration to help you understand what info will be asked for any why and to help you prepare to make an application.