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How we make our lending decisions

At LendingCrowd, we take a case-by-case approach to our lending decisions. Our Credit Team takes a flexible approach to loan offers that evaluates your business individually.

Focus on business potential

At LendingCrowd, we focus on the potential of every business. We look at the business plan and financial information to determine the creditworthiness of the business and its ability to repay.

Engage in open dialogue

We believe that talking to our borrowers is key to making safe lending decisions. Our Credit Team gets to know each business and will only lend where borrowers have a clear ability to repay.

Understand borrower needs

We strive to understand each business that we lend to. Knowing why it is needed and understanding how the money will be used gives our Credit Team flexibility in making decisions. Understanding your needs helps us to build strong, mutually beneficial relationships for the longer term.


We seek to develop effective security arrangements for each business loan. Security reflects your circumstances and the loan size requested. We take a range of security types but will be mindful of your circumstances and the nature of your business.

Factors influencing the lending decision

Try to avoid

Weak cashflow

Known industry sector challenges

High level of borrowing on the balance sheet

Marginal or poor credit history

Good to have

Cashflow indicating ability to repay

Proven management ability

A strong and considered business plan

Positive business and industry indicators

What do I need to apply?

To make your application with LendingCrowd as quick and easy as possible, you’ll need the following information close to hand:

Management information

Tell us about your business, current loans or overdrafts and financial needs.

Owner information

Please provide details for each of the owners/directors of your business.


We’ll need you to submit 2 years’ filed accounts to assess your application.

Bank statements

You’ll also need to supply the last 3 months’ bank statements for your business.

Have any questions?

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The most frequently asked questions by our community of borrowers.

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Visit our help centre

or call us on 0345 564 1600 and we’ll be happy to help.

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Borrowers need to be mindful that defaulting might lead to the debt being passed to an agency for collection. LendingCrowd and its products are not covered by the Financial Services Compensation Scheme.

LendingCrowd is the trading name of Edinburgh Alternative Finance Limited, Company Number SC468392, authorised and regulated by the Financial Conduct Authority (Firm reference number 670991). LendingCrowd and its products are not covered by the Financial Services Compensation Scheme.

The company's registered office is 50 Lothian Road, Festival Square, Edinburgh, EH3 9WJ.

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