A decision from a person, in five working days
From a complete application. Two steps before that are yours alone — and tell us nothing about you.
Six steps, and you can stop after the first
The first two cost you nothing and send us nothing. Most wasted time in business onboarding is applications that were never going to work.
- 01Before you applyYou
Read the criteria
What we accept and decline, in plain English. If you’re on the wrong side of it, you’ll know now — not in three weeks.
- 02Before you applyYou
Run the pre-check
Six questions in your browser, and an honest read on how an application would go. Nothing is sent to us.
- 03Day 0You
Send the application
Company details, directors and owners, what you sell and how you get paid — and the documents that back it up.
- 04Clock startsAhvanah
We check it’s complete
If anything’s missing, we tell you exactly what. The five working days start when it’s all here.
- 05Working days 1–5Ahvanah
A person reviews it
A named reviewer traces the ownership, reads any flags the checks raised, and weighs it against the published criteria.
- 06By day 5Ahvanah
You get a decision
Accepted or declined, in writing, from the person who reviewed it.
The same application, two pipelines
Nothing about the business changes between these two columns. Only what happens when the model cannot resolve it cheaply.
Automated onboarding
minutes- Application submittedCompany details, directors, ownership
- Automated model scores itStructure, geography, trading history
- Flag raisedOverseas director · layered ownership
- Declined"We are unable to offer you an account at this time"
No reason given, no appeal, no indication of what would change the answer. Two thirds of businesses in this position spend over thirty days finding somewhere else.
Ahvanah
days- Pre-check, before applyingSix questions in the browser. Nothing sent to us
- Application submittedAgainst criteria you already read
- Flag raised, then read by a personOverseas director · layered ownershipA named reviewer, not a rota
- A decision within five working daysAccepted, or declined against a published criterion
The criteria did the explaining before anyone applied, so a decline is never a mystery — and never a bespoke letter we cannot legally write.
Everyone shows you a balance. We show you the decision.
Two structural flags on this application. Neither means anything's wrong — an automated model would decline on both anyway. Here's what a person did instead.
This is the internal review record. Applicants see the outcome and which criterion it was decided against — never the screening detail itself, which we're not permitted to share.
- Company verifiedCompanies House 09482217 · incorporated 14 months
- Overseas directorDirectors identified2 of 2 · one resident in Portugal
- Layered ownershipOwnership resolvedHeld through one holding company · UBO identified
- Sanctions and PEP screeningNo matches
- Business activity evidenced6 invoices, 3 platforms, 9 months
Overseas director and holding-company structure both sit inside published criteria. Ultimate owner identified, source of funds evidenced across three platforms. No conduct concerns. Accepted.
Three things, then you’re working
No branch, no post, no waiting for a card to arrive.
- 01
Secure your sign-in
Set up a passkey or an authenticator app before anything else. No text-message codes.
- 02
Bring in your team
Invite the people who need access, give each the role their job needs, and set your approval limit.
- 03
Start using it
Pound, euro and dollar balances, payments in and out, and virtual cards for whoever spends.
Start with step one
It takes five minutes and tells you more than most declines ever will.