The appeals process
Our Business Card appeals process enables you to appeal against a lending decision if you've been declined or aren't completely satisfied with the terms of our offer.
Informing you about this process is part of our commitment to supporting you and your business. The process is monitored by an independent, external auditor to ensure that it's fair and effective.
When can I appeal?
You can appeal if your application was declined and:
The turnover for your business is under £25 million (if it’s part of a group of companies, this applies to the full group)
Your lending application was declined in the past 30 days
You provided all the required information on the Application Form
You have not previously appealed this decision
Your existing lending isn’t subject to formal demand or enforcement or legal proceedings
Your application doesn’t breach UK law and regulations, doesn’t involve cross-border transactions in countries subject to UN sanctions, and isn’t linked to a product that may be used to evade tax
You can also appeal if your application was approved but you’re not satisfied with the limit of credit granted. This excludes the costs of borrowing, agreed fees and standard terms we apply to the Business Card facility.
How do I appeal?
Appeals need to be made within 30 days of the original decision about your Application. Make sure you outline your reason for appealing and include any additional information to support your case.
Please submit your appeal in writing to Department MRM6, Barclaycard Commercial, 1234 Pavilion Drive, Northampton, NN4 75G
Who reviews my appeal?
Your appeal will be reviewed by an experienced lending specialist within Barclaycard who was not involved in the original decline decision to make sure the appeal is handled objectively and fairly.
How long does it take to get a decision?
We’ll respond within 30 days of your appeal with written notification.
What can I do if I’ve already appealed unsuccessfully?
If you’ve appealed a decision unsuccessfully, you have the right to make a formal complaint to us.
We take our role as responsible lenders very seriously and are committed to working with you to find other sources of funding. This includes a wide range of free support services to help you make the most of your existing resources.
Alternative sources of finance
Although Barclaycard Business may be unable to support your borrowing request at this time, there are
available to small and medium businesses.
You may want to consider approaching a local Community Development Financial Institution (CDFI), which can be contacted at
Other options include finding a business mentor to provide support and guidance at
and general advice at
Better Business Finance