Tide business loan
Tide is not a bank. It is a business banking platform partnered with ClearBank. Loans inside the Tide app are routed via Funding Options (now Tide-owned).
Quick verdict
- Owner: Tide Platform Limited.
- Ticket band: £500 to £20m via the panel..
- If declined, the strongest alternatives are: FundBiz post-decline matcher, JPM Capital, Bizcap, Bolton Finance for specialist post-decline, Specific lenders direct.
At a glance
- Owner entity
- Tide Platform Limited
- Ticket range
- £500 to £20m via the panel.
- Typical criteria
- Tide business account holders. Loans matched against the Funding Options 80+ lender panel; criteria vary by lender.
- Decision pattern
- Soft-search match in the Tide app routes to one or more panel lenders. Each lender runs their own underwriting.
- Last reviewed
- 2026-06-12
Common decline reasons
- Same as the underlying lender that declined within the Tide / Funding Options matcher.
If you have been declined
Tide will surface the decline reason. Match the reason to a specialist on FundBiz rather than continuing inside the Tide app.
Alternatives we route to
- FundBiz post-decline matcher
- JPM Capital, Bizcap, Bolton Finance for specialist post-decline
- Specific lenders direct
What to have ready before you apply
UK banks underwriting an SMB facility at the £500 to £20m via the panel. band typically ask for the following before issuing a decision:
- Two years of filed accounts plus current management accounts.
- Six to twelve months of business bank statements.
- Director identification and proof of address.
- A clear written summary of how the funds will be used and how they will be repaid.
- Personal guarantee paperwork for limited-company directors (standard at this ticket band).
This is a generic UK SMB-bank application checklist. Tide business loan may ask for additional documents specific to the facility type or sector.
FAQ
What does Tide business loan offer?
Tide is not a bank. It is a business banking platform partnered with ClearBank. Loans inside the Tide app are routed via Funding Options (now Tide-owned).
Who qualifies for Tide business loan?
Tide business account holders. Loans matched against the Funding Options 80+ lender panel; criteria vary by lender.
How big a ticket does Tide business loan cover?
Ticket range: £500 to £20m via the panel.. Decision pattern: Soft-search match in the Tide app routes to one or more panel lenders. Each lender runs their own underwriting..
Why does Tide business loan decline applications?
Same as the underlying lender that declined within the Tide / Funding Options matcher.
What should I do if Tide business loan declines my application?
Tide will surface the decline reason. Match the reason to a specialist on FundBiz rather than continuing inside the Tide app.
What are the best alternatives to Tide business loan?
Alternatives we route to: FundBiz post-decline matcher; JPM Capital, Bizcap, Bolton Finance for specialist post-decline; Specific lenders direct.
Related banks
Looking for something different?
- For independent editorial reviews of the lenders we route to, see BestBusinessLoans.
- For invoice finance, see MarketInvoice.
- For card terminals and merchant accounts, see TakeCardPayments.
Run the matcher
Tell us what Tide business loan declined or what you need, and we will match against the FundBiz panel. Limited companies, LLPs and partnerships of 4+ only.
Open matcher →Last reviewed: 2026-06-12.