Common reasons for denial
- Revenue too low or inconsistent for the amount requested
- Too little time in business
- Frequent overdrafts or negative balance days
- Too much existing debt or stacked advances
- Low credit score or recent missed payments
- Missing or unclear documents
How to fix each one
Request a smaller amount that fits your revenue, wait until you pass key milestones like 6 or 12 months in business, reduce overdrafts, and consolidate existing debt. Complete documents from our checklist remove another common obstacle.
Try a better-matched product
Banks decline many small businesses that qualify easily elsewhere. Revenue-based working capital loans look more at your cash flow than your collateral. Prequalify with Kacu to see which products you qualify for.
Frequently asked questions
How soon can I reapply after a denial?
You can often reapply right away with another lender. With the same lender, it is best to wait until you have addressed the reason for the decline, often 60–90 days.