So costumer 3.5 years, opened a business mid pandemic, never had any government loans, help, etc. We just growed quarter by quarter, company never had any financial problems, all paid vat, corporation tax, never missed a payment on any thing, small business, but a more than average turnover for 11 staff company. 2 credit cards with other companies /all paid in full each month/ credit score on experian 100 business/ personal credit scores of directors excellent both no ever any adverse events / yet they refuse any line of credit, business load, overdraft. Nothing. It's a joke of a bank, they are good just for using them to hold your money and transactioning. Nothing else. They don't look to help grow no one. And yeah 2nd they don't offer bank refrenceing. When we were in thre process to open 2nd business, we were asked for a reference from lur main bank. - apparently they don't don't. So being with them 3 year plus but aren't able to give a simple referencing about how is your company with money. A total joke. Avoid, go to high street banks at least in case of anything you can meet someone face to face.not just heartless over the phone and online people which in 90% of the cases they won't help in any way.