{"id":10226,"date":"2026-03-15T11:19:43","date_gmt":"2026-03-15T11:19:43","guid":{"rendered":"https:\/\/bcrs.org.uk\/?p=10226"},"modified":"2026-04-20T11:20:32","modified_gmt":"2026-04-20T10:20:32","slug":"what-smes-can-do-after-bank-loan-refusal","status":"publish","type":"post","link":"https:\/\/bcrs.org.uk\/cy\/blog\/what-smes-can-do-after-bank-loan-refusal\/","title":{"rendered":"Beth All Busnesau Bach Ei Wneud Ar \u00f4l Cael Benthyciad Banc Wedi&#039;i Wrthod?"},"content":{"rendered":"<section class=\"l-section wpb_row height_medium\"><div class=\"l-section-h i-cf\"><div class=\"g-cols vc_row via_flex valign_top type_default stacking_default\"><div class=\"vc_col-sm-12 wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p><span data-contrast=\"none\">A yw eich cais am fenthyciad busnes wedi cael ei wrthod yn ddiweddar? Gall deimlo fel drws yn cau ar eich cynlluniau, yn enwedig pan fyddwch chi&#039;n gwybod bod gan eich busnes botensial gwirioneddol. Ond ymchwil o\u00a0<\/span><a href=\"https:\/\/www.allica.bank\/press-releases\/allica-urges-government-to-supercharge-successful-growth-guarantee-lending-schemes-and-review-prudential-framework-as-new-research-reveals-up-to-6-1745785522366\"><span data-contrast=\"none\">Banc Allica<\/span><\/a><span data-contrast=\"none\">\u00a0yn dangos bod gwrthod benthyciadau i fusnesau bach gan fanciau stryd fawr wedi codi i tua 40%, sy&#039;n golygu bod hyn yn digwydd i fusnesau hyfyw bob dydd.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Mae&#039;r ffordd y mae busnesau&#039;n cael mynediad at gyllid yn newid, gyda\u00a0<\/span><a href=\"https:\/\/www.british-business-bank.co.uk\/sites\/g\/files\/sovrnj166\/files\/2026-03\/report-small-business-finance-markets-2026.pdf\"><span data-contrast=\"none\">68% o fenthyca<\/span><\/a><span data-contrast=\"none\">\u00a0yn digwydd y tu allan i fanciau traddodiadol nawr, yn \u00f4l Banc Busnes Prydain. Nid yw gwrthod gan fanc yn farn ar eich busnes; gall olygu eich bod chi&#039;n chwilio yn y lle anghywir.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Byddwn yn egluro pam mae ceisiadau&#039;n cael eu gwrthod, beth i&#039;w wneud nesaf, a sut i ddod o hyd i gyllid sy&#039;n addas i&#039;ch busnes.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<\/div><\/div><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><h2><strong><span data-contrast=\"none\" xml:lang=\"EN-GB\" lang=\"EN-GB\" class=\"TextRun MacChromeBold SCXW246438513 BCX0\"><span class=\"NormalTextRun SCXW246438513 BCX0\" data-ccp-parastyle=\"heading 2\">Beth yw&#039;r rhesymau dros wrthod benthyciad banc ar gyfer busnesau bach a chanolig?<\/span><\/span><span class=\"EOP SCXW246438513 BCX0\" data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;201341983&quot;:0,&quot;335559738&quot;:40,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/strong><\/h2>\n<\/div><\/div><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p><span data-contrast=\"none\">Nid perfformiad gwael sy&#039;n achosi llawer o wrthodiadau benthyciadau, ond oherwydd nad yw eich busnes yn cyd-fynd \u00e2&#039;r proffil y mae banciau traddodiadol yn chwilio amdano. Mae banciau stryd fawr yn tueddu i ffafrio busnesau sefydledig sydd ag incwm rhagweladwy ac asedau diriaethol, gan ei gwneud hi&#039;n anoddach i fusnesau newydd, yr hunangyflogedig, neu fusnesau sy&#039;n seiliedig ar wasanaethau fod yn gymwys.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Mae rhesymau cyffredin dros wrthod yn cynnwys:<\/span><span><br \/>\n<\/span><\/p>\n<ul>\n<li><b><span data-contrast=\"none\">Hanes credyd gwael neu fach<\/span><\/b><span data-contrast=\"none\">Mae angen tystiolaeth ar fenthycwyr eich bod yn rheoli credyd yn gyfrifol.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<li><b><span data-contrast=\"none\">Pryderon fforddiadwyedd<\/span><\/b><span data-contrast=\"none\">Gall hyd yn oed busnesau proffidiol gael eu gwrthod os yw llif arian yn anghyson.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<li><b><span data-contrast=\"none\">Cyfochrog annigonol<\/span><\/b><span data-contrast=\"none\">Efallai y bydd angen asedau fel gwarant os na allwch ad-dalu&#039;r benthyciad.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<li><b><span data-contrast=\"none\">Gormod o ymholiadau credyd<\/span><\/b><span data-contrast=\"none\">Gall gwneud cais am nifer o fenthyciadau neu gredydau mewn cyfnod byr fod yn arwydd o bwysau ariannol ar fenthycwyr.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<li><b><span data-contrast=\"none\">Llif arian parod ansefydlog<\/span><\/b><span data-contrast=\"none\">Mae benthycwyr yn well ganddynt incwm rheolaidd, rhagweladwy fel sicrwydd ar gyfer taliad.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<li><b><span data-contrast=\"none\">Taliadau hwyr neu ddiffygion<\/span><\/b><span data-contrast=\"none\">Mae hanes o daliadau a fethwyd yn codi amheuon ynghylch dibynadwyedd yn y dyfodol.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<li><b><span data-contrast=\"none\">Methdaliad<\/span><\/b><span data-contrast=\"none\">Mae achosion methdaliad diweddar neu barhaus yn ei gwneud hi&#039;n anodd iawn sicrhau benthyciad.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<li><b><span data-contrast=\"none\">Cais anghyflawn<\/span><\/b><span data-contrast=\"none\">Gall cofnodion ariannol coll neu anghywir arwain at wrthod awtomatig, yn ogystal \u00e2 gwybodaeth a ddarperir yn y fformat anghywir.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"none\">Er bod banciau&#039;n dibynnu&#039;n fawr ar hanes credyd a phroffiliau ariannol, mae llawer o fenthycwyr amgen yn cymryd safbwynt ehangach,\u00a0<\/span><a href=\"https:\/\/bcrs.org.uk\/cy\/blog\/are-you-eligible-for-a-business-loan-with-bad-credit\/\"><span data-contrast=\"none\">hyd yn oed os oes gennych gredyd gwael<\/span><\/a><span data-contrast=\"none\">.\u202f<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<\/div><\/div><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><h2><strong><span data-contrast=\"none\" xml:lang=\"EN-GB\" lang=\"EN-GB\" class=\"TextRun MacChromeBold SCXW27396618 BCX0\"><span class=\"NormalTextRun SCXW27396618 BCX0\" data-ccp-parastyle=\"heading 2\">4 Cam i&#039;w Cymryd ar \u00f4l gwrthod benthyciad banc ar gyfer busnesau bach<\/span><\/span><span class=\"EOP SCXW27396618 BCX0\" data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;201341983&quot;:0,&quot;335559738&quot;:40,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/strong><\/h2>\n<\/div><\/div><div class=\"w-image align_center\"><div class=\"w-image-h\"><img decoding=\"async\" width=\"600\" height=\"400\" src=\"https:\/\/bcrs.org.uk\/wp-content\/uploads\/2026\/04\/andre-taissin-Dc2SRspMak4-unsplash-1-600x400.jpg\" class=\"attachment-us_600_400 size-us_600_400\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/bcrs.org.uk\/wp-content\/uploads\/2026\/04\/andre-taissin-Dc2SRspMak4-unsplash-1-600x400.jpg 600w, https:\/\/bcrs.org.uk\/wp-content\/uploads\/2026\/04\/andre-taissin-Dc2SRspMak4-unsplash-1-500x334.jpg 500w, https:\/\/bcrs.org.uk\/wp-content\/uploads\/2026\/04\/andre-taissin-Dc2SRspMak4-unsplash-1-18x12.jpg 18w, https:\/\/bcrs.org.uk\/wp-content\/uploads\/2026\/04\/andre-taissin-Dc2SRspMak4-unsplash-1-200x133.jpg 200w, https:\/\/bcrs.org.uk\/wp-content\/uploads\/2026\/04\/andre-taissin-Dc2SRspMak4-unsplash-1-250x167.jpg 250w, https:\/\/bcrs.org.uk\/wp-content\/uploads\/2026\/04\/andre-taissin-Dc2SRspMak4-unsplash-1.jpg 640w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><\/div><\/div><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p><span data-contrast=\"none\"><br \/>\nNid gwrthod yw&#039;r ateb terfynol, hyd yn oed os yw&#039;n teimlo felly. Dyma sut i ailymgynnull a symud ymlaen.<\/span><\/p>\n<h3><span><\/span><b><span data-contrast=\"none\">1. Gofynnwch i&#039;r banc am adborth ar y gwrthodiad benthyciad<\/span><\/b><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;201341983&quot;:0,&quot;335559738&quot;:40,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"none\">Mewn rhai achosion, mae&#039;n ofynnol yn \u00f4l y gyfraith i fanciau gyfeirio ymgeiswyr a wrthodwyd at lwyfannau cyllid amgen.\u00a0<\/span><a href=\"https:\/\/assets.publishing.service.gov.uk\/media\/5a7d9dfced915d497af707c1\/bis-14-938-small-business-enterprise-and-employment-bill-summary.pdf\"><span data-contrast=\"none\">Deddf Busnesau Bach, Menter a Chyflogaeth 2015<\/span><\/a><span data-contrast=\"none\">, os yw banc yn gwrthod eich benthyciad, dylent eich ailgyfeirio at lwyfannau cyllid sy&#039;n eich cysylltu \u00e2 benthycwyr eraill, gan rannu eich gwybodaeth gyda&#039;ch caniat\u00e2d. Ond byddwch yn ymwybodol efallai na fydd yr atgyfeiriad hwn yn digwydd os na chafodd eich cais ei wrthod yn ffurfiol.<\/span><span><br \/>\n<\/span><\/p>\n<h3 aria-level=\"3\"><b><span data-contrast=\"none\">2. Adolygwch eich cais am fenthyciad<\/span><\/b><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;201341983&quot;:0,&quot;335559738&quot;:40,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"none\">Croesgyfeiriwch eich cais gyda&#039;r rhesymau a restrir uchod i nodi unrhyw fylchau neu wendidau yn eich dogfennau ariannol. Mae hefyd yn werth ailystyried pam mae angen y benthyciad arnoch a sut mae&#039;n cefnogi eich nodau busnes ehangach.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><a href=\"https:\/\/bcrs.org.uk\/cy\/blog\/how-to-apply-for-a-loan-as-a-small-business-in-england-and-wales\/\"><span data-contrast=\"none\">Darllenwch ein canllaw ar sut i wneud cais am fenthyciad fel busnes bach<\/span><\/a><span data-contrast=\"none\">.\u202f<\/span><span><br \/>\n<\/span><\/p>\n<h3 aria-level=\"3\"><b><span data-contrast=\"none\">3. Ymchwiliwch i opsiynau ariannu amgen<\/span><\/b><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;201341983&quot;:0,&quot;335559738&quot;:40,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/h3>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><span data-contrast=\"none\">Mae llywodraeth y DU a&#039;r FCA wedi cydnabod y bwlch cyllido ar gyfer busnesau bach a chanolig ac maent yn gweithio&#039;n weithredol i fynd i&#039;r afael ag ef. Mae Banc Busnes Prydain, er enghraifft, yn cynnig mynediad at gyllid dyled ac ecwiti a chronfeydd buddsoddi rhanbarthol fel y\u00a0<\/span><a href=\"https:\/\/bcrs.org.uk\/cy\/blog\/how-does-meif-help-smes\/\"><span data-contrast=\"none\">Cronfa Buddsoddiad Peiriannau Canolbarth Lloegr<\/span><\/a><span data-contrast=\"none\">\u00a0neu&#039;r\u00a0<\/span><a href=\"https:\/\/bcrs.org.uk\/cy\/blog\/how-does-ifw-help-smes\/\"><span data-contrast=\"none\">Cronfa Fuddsoddi i Gymru<\/span><\/a><span data-contrast=\"none\">.Mae cyfran sylweddol o fenthyca i fusnesau bach a chanolig bellach yn digwydd y tu allan i fanciau traddodiadol, felly mae mwy o opsiynau nag y mae llawer o berchnogion busnesau yn ei sylweddoli.<\/span><\/p>\n<h3><span><\/span><b><span data-contrast=\"none\">4. Ceisiwch gyngor gan weithiwr proffesiynol<\/span><\/b><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;201341983&quot;:0,&quot;335559738&quot;:40,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"none\">Os yw eich gwaith papur mewn trefn ond eich bod wedi cael eich gwrthod benthyciad busnes o hyd, does dim rhaid i chi benderfynu ar y cam nesaf ar eich pen eich hun. Gall siarad ag arbenigwr wneud gwahaniaeth gwirioneddol. Yn wahanol i gynghorwyr banc, nid yw arbenigwyr ariannu annibynnol wedi&#039;u clymu i algorithmau derbyn na chwot\u00e2u. Maent yn cymryd yr amser i ddeall eich busnes yn iawn ac yn canolbwyntio&#039;n llwyr ar ddod o hyd i&#039;r ateb cywir i chi.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<\/div><\/div><div class=\"w-separator size_small\"><\/div><div class=\"w-btn-wrapper align_center\"><a class=\"w-btn us-btn-style_1\" href=\"https:\/\/bcrs.org.uk\/cy\/contact-us\/\"><span class=\"w-btn-label\">Siaradwch ag arbenigwr cyllid heddiw<\/span><\/a><\/div><div class=\"w-separator size_medium\"><\/div><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><h2><strong><span data-contrast=\"none\" xml:lang=\"EN-GB\" lang=\"EN-GB\" class=\"TextRun MacChromeBold SCXW17477792 BCX0\"><span class=\"NormalTextRun SCXW17477792 BCX0\" data-ccp-parastyle=\"heading 2\">Sut i wella eich siawns o gael benthyciad busnes bach y tro nesaf<\/span><\/span><span class=\"EOP SCXW17477792 BCX0\" data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;201341983&quot;:0,&quot;335559738&quot;:40,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/strong><\/h2>\n<\/div><\/div><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p><span data-contrast=\"none\">Gyda benthycwyr nad ydynt yn fanciau yn cyfrif am tua 68% o fenthyciadau i fusnesau bach a chanolig, mae llawer o fusnesau&#039;n sicrhau&#039;r cyllid sydd ei angen arnynt ar \u00f4l cael eu gwrthod gan fanc. I wella&#039;ch siawns:<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><span><\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<ol>\n<li><span data-contrast=\"none\">Ailystyriwch bwrpas eich benthyciad a gwnewch yn si\u0175r ei fod yn cyd-fynd \u00e2 nodau eich busnes<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"none\">Cymerwch reolaeth dros eich cyllid a gwnewch yn si\u0175r bod eich cofnodion yn gywir ac yn gyfredol<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"none\">Arhoswch ar agor i fenthycwyr annhraddodiadol<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"none\">Cysylltwch ag arbenigwr benthyca profiadol i fusnesau bach a chanolig<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<\/ol>\n<p><a href=\"https:\/\/bcrs.org.uk\/cy\/blog\/how-to-apply-for-a-loan-as-a-small-business-in-england-and-wales\/\"><i><span data-contrast=\"none\">Darllenwch ein canllaw ar sut i wneud cais am fenthyciad fel busnes bach yng Nghymru a Lloegr.<\/span><\/i><\/a><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<\/div><\/div><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><h2><strong><span data-contrast=\"none\" xml:lang=\"EN-GB\" lang=\"EN-GB\" class=\"TextRun MacChromeBold SCXW54481933 BCX0\"><span class=\"NormalTextRun SCXW54481933 BCX0\" data-ccp-parastyle=\"heading 2\">Gwiriwch eich cymhwysedd ar gyfer cyllid amgen heb effeithio ar eich sg\u00f4r credyd<\/span><\/span><span class=\"EOP SCXW54481933 BCX0\" data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;201341983&quot;:0,&quot;335559738&quot;:40,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/strong><\/h2>\n<\/div><\/div><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p><span data-contrast=\"none\">Mae cael eich gwrthod gan fanc yn gyffredin, ond anaml y bydd yn ddiwedd y ffordd. Mae angen benthyciwr arnoch sy&#039;n deall eich busnes yn well. Os ydych chi ond yn gwneud cais i fanciau stryd fawr, efallai eich bod chi&#039;n anwybyddu eich cyfle ariannu nesaf.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Os ydych chi&#039;n fusnes bach a chanolig sydd wedi&#039;i leoli yng Ngorllewin Canolbarth Lloegr neu Gymru ac yn chwilio am gymorth i ddod o hyd i fenthyciad busnes,\u00a0<\/span><a href=\"https:\/\/bcrs.org.uk\/cy\/contact-us\/\"><span data-contrast=\"none\">siarad<\/span><\/a><span data-contrast=\"none\">\u00a0gyda&#039;n\u00a0<\/span><a href=\"https:\/\/uk.trustpilot.com\/review\/bcrs.org.uk\"><span data-contrast=\"none\">Trustpilot wedi&#039;i raddio&#039;n rhagorol<\/span><\/a><span data-contrast=\"none\">\u00a0t\u00eem heddiw i drafod eich\u00a0<\/span><a href=\"https:\/\/bcrs.org.uk\/cy\/eligibility-criteria\/\"><span data-contrast=\"none\">cymhwysedd<\/span><\/a><span data-contrast=\"none\">\u00a0neu llenwch ffurflen ymholiad isod.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335557856&quot;:16777215,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<\/div><\/div><form class=\"w-form  layout_ver for_cform us_form_1\" autocomplete=\"off\" action=\"https:\/\/bcrs.org.uk\/cy\/cy\/wp-json\/wp\/v2\/posts\/10226\" method=\"post\" data-trp-original-action=\"https:\/\/bcrs.org.uk\/cy\/cy\/wp-json\/wp\/v2\/posts\/10226\"><div class=\"w-form-h\"><div class=\"w-form-row for_text required\">\r\n\t\t<div class=\"w-form-row-field\">\r\n\t\t\t\t\t\t<input aria-label=\"Eich enw\" type=\"text\" name=\"us_form_1_text_1\" value placeholder=\"Eich enw *\" data-required=\"true\" aria-required=\"true\"\/>\r\n\t\t\t<\/div>\r\n\t\t<div class=\"w-form-row-state\">Llenwch y maes hwn<\/div>\r\n<\/div>\r\n<div class=\"w-form-row for_email required\">\r\n\t\t<div class=\"w-form-row-field\">\r\n\t\t\t\t\t\t<input aria-label=\"Eich e-bost\" type=\"email\" name=\"us_form_1_email_1\" value placeholder=\"Eich e-bost *\" data-required=\"true\" aria-required=\"true\"\/>\r\n\t\t\t<\/div>\r\n\t\t<div class=\"w-form-row-state\">Rhowch e-bost dilys.<\/div>\r\n<\/div>\r\n<div class=\"w-form-row for_textarea required\">\r\n\t\t<div class=\"w-form-row-field\">\r\n\t\t\t\t\t\t<textarea aria-label=\"Eich ymholiad cyffredinol, yma. \" name=\"us_form_1_textarea_1\" placeholder=\"Eich ymholiad cyffredinol, yma. *\" data-required=\"true\" aria-required=\"true\"><\/textarea>\r\n\t\t\t<\/div>\r\n\t\t<div class=\"w-form-row-state\">Llenwch y maes hwn<\/div>\r\n<\/div>\r\n<input type=\"hidden\" name=\"action\" value=\"us_ajax_cform\" \/>\r\n<input type=\"hidden\" name=\"post_id\" value=\"0\" \/>\r\n<input type=\"hidden\" name=\"form_index\" value=\"1\" \/>\r\n<div class=\"w-form-row for_submit align_none\">\r\n\t<button class=\"w-btn  us-btn-style_1\" aria-label=\"Cyflwyno\" type=\"submit\">\r\n\t\t<span class=\"g-preloader type_1\"><\/span>\r\n\t\t\t\t<span class=\"w-btn-label\">Cyflwyno<\/span>\r\n\t\t\t<\/button>\r\n\t<\/div>\r\n<\/div><div class=\"w-form-message\"><\/div><div class=\"w-form-json hidden\" onclick='return {&quot;ajaxurl&quot;:&quot;https:\\\/\\\/bcrs.org.uk\\\/wp-admin\\\/admin-ajax.php&quot;,&quot;messages&quot;:{&quot;err_empty&quot;:&quot;Fill out this field&quot;,&quot;err_size&quot;:&quot;File size cannot exceed %s MB&quot;,&quot;err_extension&quot;:&quot;%s file type is not allowed&quot;}}'><\/div><input type=\"hidden\" name=\"trp-form-language\" value=\"cy\"\/><\/form><\/div><\/div><\/div><\/div><\/div><\/section>","protected":false},"excerpt":{"rendered":"Has your business loan application recently been rejected? It can feel like a door slamming shut on your\u00a0plans,\u00a0particularly\u00a0when you know your business has\u00a0real\u00a0potential. But research from\u00a0Allica Bank\u00a0shows that small business loan refusals from high street banks have risen to around 40%, meaning this happens to\u00a0viable\u00a0businesses every day.\u202f\u00a0 The way businesses access finance is shifting, with\u00a068%...","protected":false},"author":22,"featured_media":10231,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[20],"tags":[680,681],"class_list":["post-10226","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","tag-business-loan-rejection","tag-loan-refusal"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Business Loan Rejected? 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