Bank Decline Review
Declined by Your Bank? You May Still Have Financing Options.
A bank decline doesn't always mean the deal is dead. Tell us what happened and Blackstone Funding will evaluate whether another lender, financing structure, or type of capital may fit.
Initial inquiry • No obligation • Subject to underwriting
Prefer to speak with someone? 585-653-6504
One bank's credit box is not the entire capital market.
A decline may reflect one lender's underwriting criteria, lending appetite, or internal policies. Another lender or financing structure may evaluate the same transaction differently.
Prefer to speak with someone?585-653-6504Why Banks Decline Financing Requests
Cash Flow & Debt Service
The business may not meet the bank's required cash-flow or debt-service coverage.
Credit & Existing Leverage
Personal credit, business credit, or existing obligations may fall outside that bank's criteria.
Collateral & Transaction Structure
The bank may not be comfortable with the collateral, loan structure, property type, or use of proceeds.
Bank Policy & Lending Appetite
The transaction may fall outside the bank's preferred industry, geography, loan size, or internal lending strategy.
A decline may reflect the bank's credit box as much as the transaction itself.
The most important question isn't simply whether the bank said no. It's why they said no.
Tell us what happened and we'll evaluate whether the issue may be addressed with a different lender, financing structure, or type of capital.
Quick initial review • No obligation • Subject to underwriting
How much financing are you looking for?
Different Transactions Require Different Capital.
Business Financing
Simplified access to working capital, term financing, lines of credit, equipment financing, and debt restructuring.
SBA & Business Acquisitions
SBA financing, business acquisitions, partner buyouts, and owner-occupied commercial real estate.
Commercial Real Estate
Acquisition, refinance, bridge, construction, development, and transitional real estate financing.
Complex & Structured Financing
Private credit, senior debt, mezzanine financing, preferred equity, and other structured capital solutions.
Not sure which structure fits? That's exactly what we'll help determine.
Why Blackstone Funding?
10+
Years in Business
75+
Lender & Capital Source Relationships
$750MM+
Financing Facilitated
One lender evaluates a transaction against one credit box. Blackstone Funding evaluates financing requests across multiple categories of capital to determine whether another lender, structure, or financing solution may make sense.
Examples of Transactions We've Helped Finance
$100,000
Medical Instrument Transportation Startup
Financing arranged for a startup company providing specialized medical instrument transportation services.
$920,000
Operating Laundromat Acquisition
Financing arranged for the acquisition of an existing operating laundromat business.
Prior transactions are provided for illustrative purposes only. Financing availability, structure, amounts, and terms vary by borrower and transaction.
Multiple Capital Sources
Relationships across banks, SBA lenders, private credit, commercial real estate lenders, equipment lenders, and alternative capital sources.
Transaction-Focused Review
We evaluate the financing request based on the business, use of proceeds, cash flow, collateral, leverage, and transaction structure.
More Than One Credit Box
A decline from one lender does not automatically determine how another capital source may evaluate the transaction.
How It Works
Tell Us What Happened
Share the financing request and what you know about the bank's decision.
We Review the Transaction
We evaluate the business, use of proceeds, financing amount, and overall structure.
We Identify Potential Options
If the transaction appears viable, we identify financing structures and capital sources that may fit.
We Discuss the Next Step
A Blackstone Funding specialist may contact you for additional information and documentation.
Frequently Asked Questions
Your Bank Said No. Let's Find Out Why.
Tell us about the financing request and we'll evaluate whether another lender, structure, or capital source may make sense.
Initial inquiry • No obligation • Subject to underwriting