Guide to borrowing

Available to

  • SMEs thinking of applying for finance for growth
  • Businesses that have had applications declined.

If we decline your application, you have the right to a referral within 30 days to a Government Designated Finance Platform who, with your consent, will seek to match your business’ needs with the most suitable lender for your circumstances.

How to request a referral

You can request a referral within 30 days by calling 0800 681 6684. Lines are open Monday to Friday 9am to 5pm.

Additional Information

As well as your right to be referred to a Government Designated Finance Platform, there are other sources of finance available which you may want to consider. You can get more information by visiting our alternative sources of finance page.

Santander UK plc is not responsible for the finance platforms, so if you choose to be referred this does not mean that your application will be successful. Any lending decision made would be solely a matter for the lender(s) to whom you are referred.

For the purpose of the referral Santander UK plc are acting as a credit broker and not as a lender and will not receive any commission.

Protecting your money - Financial Services Compensation Scheme (Opens in a new window)