Some banks has a policy that says an application which has been rejected within certain time frame is not allowed to re-submit its new application again.
My client recently submitted its fresh application to a bank which has rejected his application about 6 months ago for some non-compliance issues. Thinking that the company had rectified all those non-compliance issues and re-submit its application, the borrower was told that the bank is unable to accept its fresh application for its previous unsuccessful record.
My advice, do not submit your full documents to a bank for official application. Discuss with the bank officer if you have any special requests which may trigger any of the non-compliance issues. For eg. one of the director not able to stand as a guarantor or you want a very high proportion of overdraft facility. Remember, these requests are not to banks' favour.
If you put in an official application with these special requests, very likely your application will be rejected and leave a record in the bank system that your application has been "REJECTED".
