Apologies for the Monday moan, but this one really grinds my gears 😡😡. Are some of the traditional UK high street lenders basically the Christmas Grinch? For all the talk about “supporting UK business owners ”, many businesses including property investors are still getting a NO when they knock on the doors of our traditional mainstream UK lenders! I do not want to name names but these are the banks where many had a presence on our high street. Last week, I had a case with a big High Street lender where the case was looking strong however after 6-7 weeks in process, credit then said NO! Having knocked on the door of many of these lenders my conclusion was: ❌Not all of the high street lenders have an appetite for the manufacturing sector which is the backbone of our economy. ❌Many are now focusing on large corporate applications so no longer focus on borrowers who need lower amounts. ❌They ignore cases regardless of strong EBITDA and companies that are growing at pace. ❌ They are still slow with decision making from credit. ❌ Conservative risk teams with not flexibility. For many business owners, it feels like the system is tightening at the very moment they need help, especially during a period of rising costs, fragile margins that require working capital to unlock growth. My mantra for 2026 will be to continue to work with challenger banks and specialist funders where possible as they are hungry where traditional banks are pulling away and have a multitude of propery finance options available. 🎄🎄The message to businesses owners this Christmas is that there is hope🎄🎄 👉🏻Don’t assume “declined by the bank” means “end of the road”. 👉🏻And definitely don’t let the lending Grinch steal your growth plans for 2026. 👉🏻If you need advice, please feel free to drop me an email sanjay@finances.house or book in a call at https://lnkd.in/eHeW6T7G

Posted by Sanjay Majithia at 2025-12-22 15:37:55 UTC