My RBS 'offers' have disappeared - BBL related?

Bexter

I'm curious. I took a £4k BBL last year and opened a business account with RBS to do so, already had personal accounts. Most of my invoices are still paid into my sole account with them and we also have a joint. For over a year the 'apply' section of the RBS app has told me I'm likely to get a £25k joint loan and a £1300 overdraft. Suddenly, that's all gone. Nothing else on my finances has changed at all. All accounts in credit.  Can't help wondering if it's to do with me having the BBL. Have I missed reported info on this, has anyone else noticed similar? 

jonesMUFCforever

If what you are saying is,  that the sole account is used for business transactions you have 'skewed' their internal credit scoring of you.
Personal and business credit scoring are done differently.
It might be that they have cottoned on to the fact that they cannot rely on their system , because with you they don't know what is business money and what is personal - hence the withdrawal of the loan offers.

Thrugelmir

Bexter said:

Nothing else on my finances has changed at all. 

Taking a BBL is an indication that your business is under duress. Which would then impact your personal finances. Banks have no need to take undue risk.  

MovingForwards

Any time a finance account is taken on the offers vanish for a while. Banks are also being cautious with lending so as you've had your BBL that might be all you can have for however long.