Quick plan to get a legitimate soft-pull pre-approval for £100,000

Wishbone Properties

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Decide vehicle — figure whether you want: business term loan, business line of credit, commercial mortgage, credit union personal/business loan, invoice finance, or private investor. Credit unions and many online lenders offer soft-pull pre-quals.
Target lenders that offer soft pre-qualification — many credit unions, challenger banks, and marketplace lenders will do a soft credit check (marketed as “pre-qualification” / “soft check”) and give an estimated limit without a hard inquiry.
Get pre-qualified with several providers (soft pull only) to compare estimated limits and rates.
Pick best pre-approval, then submit full application — at that point the lender usually asks for consent for a hard pull; only allow that to happen with the lender you choose.
If personal credit is limiting, pursue business-credit routes (business cards, business lines, invoice finance, merchant cash advance) or bring collateral/private investor.

Documents / information to have ready

(So the lender can give a realistic pre-approval estimate.)

Registered company name, number, and SIC code (if business loan).
Recent 12–24 months bank statements (business + personal if needed).
Last 2–3 years company tax returns / accounts (or personal tax returns if a personal loan).
Most recent management P&L and balance sheet (if available).
Proof of ID and address (passport/driving license + utility bill).
VAT registration (if applicable), ABN/EIN equivalents.
A short one-page purpose statement: how you’ll use the £100k and how you’ll repay it.
Security/collateral details (property, equipment) if you have it.

What to ask for (so you avoid a hard pull)

When you contact a lender, ask explicitly:

“Do you offer pre-qualification / pre-approval with a soft credit check that won’t affect my credit file?”
“If I proceed past pre-approval, will you request explicit consent before a hard credit check?”
“Can you provide an estimated maximum facility (loan amount/credit limit) and indicative rates/fees based on a soft check?”
“What documents do you need to move to full application?”

Email template (copy/paste / send to a credit union or lender)

Subject: Pre-qualification request (soft credit check) — possible £100,000 facility

Hi [Lender name / Loan Officer],

I’m [First Last], director of [Company name] / self-employed (delete as applicable). I’m currently exploring funding options of approximately £100,000 for [brief purpose — e.g. refurb / growth / working capital].

Before submitting a full application, I’d like a pre-qualification / pre-approval estimate without a hard credit search. Please confirm:

Whether you offer a soft credit check for pre-qualification (that won’t leave a hard inquiry on my file).
What initial information you need from me to produce an estimated credit limit and indicative pricing / term.
The steps and documents needed to move from pre-qualification to a full application (and when you would request my consent for any hard credit check).

I can provide 12–24 months bank statements, the last 2 years accounts / tax returns, ID and a one-page plan for the proposed use of funds. Please let me know the best person to speak with, or if you prefer I upload documents to your portal.

Thanks,

[Name]

[Company] | [Phone] | [Email]

Phone script (short)

“Hi — my name’s [Name]. I’m enquiring about a potential £100k facility. Before applying I want a pre-qualification so I can compare offers. Do you offer pre-qualification with a soft credit check that won’t hit my credit file? If so, what do you need from me to get an estimated maximum amount and indicative rates? And can you confirm you will ask for my permission before any hard credit search?”

Extra practical tips

Use a broker: experienced commercial/business finance brokers know which lenders will soft-prequal and can shop the market quickly. They often have relationships with credit unions that aren’t public.
Multiple soft pre-quals: it’s common to get soft pre-quals from several lenders to compare estimated limits and terms before committing to a hard pull.
Improve odds before applying: pay down any short-term consumer debt, clean up bank statement anomalies, formalise contracts with clients (show recurring revenue), and have clear use of funds & repayment plan.
Credit unions: often more flexible and more likely to do soft pre-qual. Visit one local to you and ask about their soft-check pre-approval processes.
Business credit: if you can build business credit separate from personal credit (trade accounts, company card), you can access larger facilities over time without additional personal hard pulls.

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