OnTrack
FOR BUSINESS LENDERS

Manage rejections as a live conversion pipeline.

One place to track and manage rejected applications after an initial decision.
Keep the context, track changes over time, and guide businesses towards successful re-application.

>50%

of business loan applications in the UK are rejected at first pass

2 in 3

rejected applications are due to identifiable and addressable issues

26%

of rejections are fixable immediately or in the short-term

The pipeline

From rejection to successful reapplication.

Every rejected applicant enters a single, observable path. You see where they are, what's blocking them, and when they're ready to come back.

01

Rejected

Application declined, reasons mapped to remediable factors.

02

Diagnosed

Tailored action plan based on rejection reasons.

03

Guided

Structured steps to close the funding gap.

04

Fundable

Routed back to your team as application-ready.

Platform

Built for the rejections you already have.

OnTrack operates independently, outside your underwriting stack. No integration needed, no model changes.

01

Rejection diagnostics

Decline reasons translated into a tailored action plan that businesses understand. What needs to be done is no longer ambiguous.

02

Guided progress

OnTrack monitors and guides each business through their improvement plan, providing personalised support along the way. 

03

Lender handoff

Application-ready businesses are routed back to your underwriters for a new, higher-quality assessment.

For lenders

Recover the book you already declined.

  • Convert creditworthy businesses sitting in your rejection pool 
  • High-quality by nature, self-selected for engagement and motivation
  • Provide a constructive experience to rejected applicants
  • Designed to help combat fraud risk at reapplication

FOR BUSINESSES

A real path forward, not a closed door.

  • A clear understanding of ‘why was I rejected?’
  • A step-by-step plan to become fundable
  • Personalised advice from human experts 
  • Direct routing back to a lender, not a cold reapply

See your rejected pipeline come back to life.

Get in touch to explore how we can work together.