Ampley Heartstone is a small financial services organization that provides a consultative approach to capital access. We can help you design payment solutions to help your business thrive by arranging fast and flexible financing. We also direct you to resources that can assist you in maintaining your progress. Small, minority, women-owned businesses, churches, and start-ups are under-served markets that we are passionate about assisting. Our clientele is also community volunteers or commercial real estate investors and developers. Such a scenario is presented to us by our clients. You spent time building a relationship with your bank by depositing money and saving regularly. However, your bank turned you down, and you now feel as though the time and effort you put into the relationship – in both time and money - were wasted. Many business owners fear they have nowhere else to turn if their bank rejects them. They might be pleasantly surprised to hear that, compared to traditional banks, many alternative lenders have more relaxed rules and are willing to take on more risk. Alternative lenders offer several customized lending programs tailored to firms that have been turned down by their banks, including those with a poor credit history, inadequate cash flow, insufficient collateral, and excessive debt. Your bank most likely denied you because you did not meet their stringent requirements, called "lender overlays" or "bank overlays." The federal government mandates official minimum standards. However, most banks are more rigid. The key, therefore, is finding a lender who imposes fewer restrictions or overlays than your bank, which will boost your chances of getting approved. No matter what the reason was for your loan being denied, there is a lending option available out there for you.