Business Loan rejected by my Bank — What to do next
May 2026 · 6 min readRead →
FCA Regulated · UK Business Finance & Mortgages
The smarter way
to fund your business.
What is OFFLEND? We are not a lender. We are a free introduction service — we connect you to the right FCA-regulated specialist for your finance needs, then step back. You deal with them directly. We are paid by them, not you.
OFFLEND connects UK businesses and homeowners to the right FCA-regulated specialists — business loans, mortgages, bridging finance and commercial mortgages. Our introduction is always free to you.
Offlend run no credit searches · No fees · No obligation
What do you need?
🔒 No credit searches by Offlend · FCA Regulated · No obligation
60minFastest business loan decision via our FCA-regulated lending partner (FRN 723010)
90+Lenders on our whole-of-market residential mortgage panel (FRN 766509)
400+Specialist commercial and bridging lenders accessible via our broker partner
£0OFFLEND’s fee to every client — our introduction service is always free
Est. monthly
£2,690
Total cost
£32,280
🔒 Indicative only · No credit searches by Offlend
Loan amount
£315k
Est. monthly
£1,688
🔒 ~4.8% illustrative rate · No credit searches by Offlend
Total stamp duty
£7,500
Total SDLT£7,500
🏭 England & Wales 2025/26 · Verify with your solicitor
We are an introducer — not a lender
OFFLEND matches you to the right FCA-regulated specialist, then steps back. You deal directly with the expert — no middleman in the ongoing relationship.
Registered IntroducerFree to you — always
We receive a commission from the lender when your finance completes — disclosed in writing before you proceed. No hidden fees. No surprises.
Commission DisclosedThe right lender, first time
Most businesses apply to the wrong lender and waste weeks. OFFLEND matches you to a specialist who already works with your type of case — no credit footprint by Offlend.
Whole-of-Market PanelOur Products
From £1k to £50 Million — the right finance
Most Popular · Business Finance
FCA Regulated Lender (FRN 723010)
Learn more →
Business Loan — From £1,000
Draw what you need, repay early at no cost, redraw immediately. No collateral required to £500k.
£1,000 – £500,000 unsecured
Lender decisions from 60 minutes (FRN 723010)
Typical funding within 24 hrs of lender approval
No early repayment charge
FCA regulated lender · FRN 723010
Property Finance
Learn more →
Bridging Finance — £100k–£25m
Auction purchases, chain breaks, refurbishments. Short-term property lending via our FCA-regulated broker partner. 400+ specialist lenders. Complex cases welcome.
Funds in 3–10 working days (per lender)
First and second charge available
Previously declined welcome
3–10 days · 400+ lenders
Commercial · Business Premises
Learn more →
Commercial Mortgage — £100k–£50m
Not a residential mortgage. Finance for offices, retail, industrial and investment properties. Whole-of-market commercial panel. Ltd company and LLP structures.
Owner-occupied and investment
Ltd Co, LLP, SPV structures
Whole-of-market commercial
Mortgages · Homeowners · FRN 766509
Learn more →
Residential Mortgage — 90+ Lenders
For homes — not business premises. Whole-of-market advisers search 90+ lenders. Self-employed and complex income welcome. Introduced via our FCA-regulated mortgage adviser (FRN 766509).
First-time buyer from 5% deposit
AIP typically 24–48 hours (per adviser)
90+ lenders · FCA regulated
Simple Process
How OFFLEND works
Tell us what you need. We identify the right specialist. They contact you directly.
Quick enquiry
Tell us what you need — 6 short questions. Under 60 seconds. Offlend doesn't run any credit searches at any stage. No commitment.
⏰ Under 60 secondsWe identify your specialist
We review your situation and identify the most suitable specialist from our FCA-regulated partner network based on your needs.
⏰ Same working daySpecialist contacts you
Your matched lender contacts you directly to discuss your options. Timescales depend on the lender — we cannot promise same-day contact.
Finance arranged
The lender manages decision, documentation and funding. Timelines are per the lender’s published terms — as fast as 24 hrs after approval.
⏰ Per lender terms60min
Fastest business loan decision via our FCA-regulated lending partner (FRN 723010)
90+
Lenders on our whole-of-market residential mortgage panel via our FCA-regulated adviser (FRN 766509)
400+
Specialist commercial and bridging lenders accessible via our broker partner
£0
OFFLEND’s fee to every client — our introduction service is always free to you
FCA-Regulated Partners
Whole-of-market access. Every partner FCA regulated.
Every lender, adviser and broker we introduce you to is authorised and regulated by the Financial Conduct Authority. We search the whole market so you never have to.
Business Loans
Business Lender
FCA FRN 723010 · £1k–£500k
Lender decisions from 60 minutes · no collateral required
Bridging & Commercial
Commercial Broker
£100k–£50m · property finance
400+ specialist lenders · 30+ years experience
Retail Mortgages
Mortgage Adviser
FCA FRN 766509 · Whole-of-market
90+ lenders · residential, BTL, remortgage
All introductions are to independently FCA-authorised and regulated specialists. Full partner details are disclosed in writing before any application. Our service is free to you.
Why OFFLEND
OFFLEND vs going direct?
Every lender can only offer their own products. Every comparison site shows paying advertisers. OFFLEND gives you the whole market, matched to your exact situation — at zero cost to you.
| Route | Products shown | Cost to you | Match quality |
|---|---|---|---|
| ✓ OFFLEND | Whole market — 90–400+ lenders | £0 always | Matched to right lender first time |
| Your bank directly | Their products only | Free but limited | Rigid criteria — many declined |
| Comparison website | Paying advertisers only | Free to browse | Generic — not matched to you |
| Tied broker | Limited panel only | £500–£2,000+ fees | Panel-restricted |
Our service: £0 to you
We are paid a commission by the lender when you complete — never by you. That commission is always disclosed in writing before you proceed. Nothing to pay OFFLEND, ever.
Matched, not guessed
We do not send you to a generic comparison engine. We match your specific situation to the right specialist — so the first lender you speak to is the right one.
FCA regulated partners only
Every lender, adviser and broker we introduce you to is authorised and regulated by the Financial Conduct Authority. Your protection is built into every introduction we make.
Total Transparency
Exactly what you pay — and to whom
Our fee to you is zero. Here is every cost across every party, explained clearly upfront.
OFFLEND
£0
Our introduction is completely free. We match you and step back. We receive a commission from the lender on completion — always disclosed in writing.
Business Lender
Interest only
You pay interest only on funds you actually draw. No arrangement fee on flexi-loans. Rate confirmed by lender before you accept.
FCA regulated lender (FRN 723010)
Mortgage Adviser
Disclosed upfront
Your adviser may charge a professional fee on mortgage completion — always confirmed before any application. Never a surprise.
FCA regulated adviser (FRN 766509)
Bridging / Commercial
Disclosed upfront
Standard lender arrangement fees (typically 1–2%) — always confirmed in writing before you commit.
Via our FCA-regulated broker partner
Finance Guides
Plain-English finance guides
What is a Soft Credit check? Does it affect your score?
May 2026 · 5 min readRead →
What is a Finance Introducer and how are they paid?
May 2026 · 5 min readRead →
Stamp Duty Calculator 2025/26 UK — First-Time Buyer to Buy-to-Let
May 2026 · 4 min readRead →
Business Loan with No collateral UK — Unsecured Finance guide
May 2026 · 6 min readRead →
New guides published weekly. Get a free introduction now.
Common Questions
Your questions answered
OFFLEND is a free introduction service. We connect you to the right FCA-regulated specialist — business loan, mortgage, bridging or commercial mortgage. We are not a lender. We receive a commission from the lender when you complete. You pay us nothing, ever. This is always disclosed in writing before you proceed.
OFFLEND runs no credit searches at any stage — not even a soft search. Any credit assessment is carried out by the lender directly, with your explicit consent, only when you formally apply for a specific product. The nature of any credit search the lender runs is confirmed to you before you proceed.
Yes — this is one of the most common situations we help with. Our panel includes specialist lenders who consider complex income, self-employed applicants, previous credit issues and non-standard properties. A bank rejection is rarely the end of the road.
Business loans via our FCA-regulated lending partner (FRN 723010) can receive lender decisions in as little as 60 minutes. Once approved, funds are typically in your business bank account within 24 hours of the lender’s approval. Our enquiry form takes approximately 60 seconds to complete.
A residential mortgage is for a property you or your family live in. A commercial mortgage finances business premises, investment property or development sites — not homes. The criteria, lender panel and FCA regulation are completely different.
For residential mortgages and first-time buyers, most lenders require a minimum 5–10% deposit. Buy-to-let typically requires 20–25%. Our whole-of-market advisers will explain which products are available at your deposit level — free of charge.
The right expert.
You pay nothing.
Business loans from £1k · Mortgages from 5% deposit · Bridging from £100k · Commercial mortgages to £50m. Start your free introduction — no credit searches by Offlend, no fees, no obligation.
FCA regulated partners · No fees to you · Offlend doesn't run any credit searches · Your home may be repossessed if you do not keep up repayments on your mortgage · Business lending subject to status