Small Business Credit Minute w/ S.E. Day™ | Business Credit & Funding for Small Business Owners · Episode 76 · October 5, 2026 · 20 min

Reconsideration Calls That Actually Work - A Script and A Strategy

Episode title: Reconsideration Calls That Actually Work — A Script and Strategy Show notes: A business credit denial can leave you wondering what to say next. In this episode, S.E. Day explains how to prepare a reconsideration conversation from a bank underwriter’s angle.You’ll hear how to identify the actual reasons for a denial, separate factual corrections from financial weaknesses and product mismatches, and organize supporting evidence. A practice conversation uses hypothetical repayment numbers to show why a documented debt payoff can matter—and why it does not guarantee approval. Use the word-for-word call script to confirm the review process, address the stated concerns, ask about any new application or credit inquiry, and establish a follow-up date. The Fundability Fix gives you four questions to turn a denial into a concrete preparation plan.Your next step: identify one material correction or change, locate the supporting document, and practice explaining how it addresses the decision before making your call. The call script | Spoken script ‘Hello. My name is [name], and I’m the [title] of [legal business name]. I’m calling about application [reference] for [product and amount]. I received a denial dated [date]. Does your institution allow reconsideration of this application, and are you the right person to explain that process?’ Pause. Then continue.‘The notice identifies [specific reason] and [additional reason]. I’d like to confirm that I understand those concerns before sending information. Is there another unresolved issue that would prevent approval even if these items are addressed?’Listen carefully. Then explain the material change.‘The information I’m asking you to review is [correction or documented change]. The supporting document is [document and date]. This matters to the decision because [brief connection to the stated concern]. I can submit the evidence through your approved channel.’Here is the next question.‘Can that information be reviewed under the existing application? Would that inquiry be hard or soft, and whose credit report would be accessed?’Do not assume that asking for review avoids another inquiry. Get the process clear before authorizing additional steps.Now, if a revised request is appropriate, say: ‘If the original amount does not fit the current repayment capacity, is there a smaller amount or another structure your team can evaluate? I understand that any revised request must still meet your underwriting requirements.’Close with this: ‘What specific documents do you need, where should I submit them, and by what date? Who will handle the review, and when should I expect an update? May I have a reference number for this conversation?’That is the core call. Download the free Business Credit Starter Kit: https://www.FSBOnly.com Learn about FSBO Academy Inc. and the 90-Day Lender-Readiness Cohort™: https://fsboacademy.org Listen to the show: http://bit.ly/44jOSFk BusinessCredit #SmallBusinessFunding #LenderReadiness #SandyDay ##SmallBusinessCreditMinute #LoanDenail #LoanApproval #LoanReconsideration Become a supporter of this podcast: https://www.spreaker.com/podcast/small-business-credit-minute-w-s-e-day-business-credit-funding-for-small-business-owners--6605567/support . Qualify First. Apply Second. Remember, Your Dreams Deserve A Chance To Grow, Just Like Your Business!