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I honestly don’t think think the numbers mean anything. I applied within minutes confirmation back 13 minutes after it opened for the waiting list. I think I was 14,000 odd. Seen loads of posts of people applying after and having lower numbers. That’s the reason why the tracker isn’t been released. Everyone would see the number v applied date would be a massive back lash. Me personally can’t see them getting anymore money to lend.

I joined the list on the 11th, recieved my confirmation the same day but got told i’m 24,950. My number hasnt changed once.
But i have seen a few people who joined after me but have lower numbers. Not sure if its just a mistake by tide though.

Thank you for sharing, @Chris83

I do completely understand how these different numbers can seen random and cause no small amount of confusion.

I can confirm that the waiting list is like a queue, and we are looking into it in order. As for the discrepancy in the numbers, multiple registrations into the waiting list would appear multiple times before we’re able to clear them. I know it might take some time for the team to get back to you, but please don’t hesitate to query them on this, they’ll be able to clarify for you with certainty.


A waiting list is actually that. In order of registered interest. If you register on the first day your number shouldn’t be greater than those on day 2, unfortunately this seems to be the case that the numbers are all over the place and later registered companies have lower numbers. That’s nothing to do with multiple registrations. If you registered on day 1 and you were number 1000 a company on day 2 shouldn’t be number 500. I think it’s truly time that some honest answers should be given. Middle of June was the tracking date. Next week is middle of July and it’s like nearly every employee of tide has left as it’s so quiet with updates businesses are going to the wall every day. Some of which could have been avoided if you said on day one 50m was all what was in the pot. People wouldn’t have joined the list they would have looked else where when there was a chance - that chance is pretty much gone.

I know that we’ve not been able to deliver on the tracking tool, we absolutely will own up to this.

Otherwise, the numbers provided via the waiting list are representative of the position that you’ve entered on, and we have not been updating them to account for delivered loans, or non-eligible members, or otherwise.

If there are any cases of human error where an incorrect number has been provided, we’ll absolutely look into them to clear the situation up.


Hi Obi,

I registered once, i received one email confirming this on the 12th May which i have already screenshot.

Your answer in no way explains how i have been given 3 different numbers that are dropping me down the waiting list at an alarming rate.

I did query the list number on each occasion - today i even requested this to be escalated to a team manager as i was raising a complaint- this was ignored and the conversation shut down.

Even if i had registered on multiple occasions surely there would be multiple numbers? Not one each time…and why would the lowest number, that i was given on the 28th May not be relevant any longer?

It feels like the numbers are being plucked from thin air and we are just left in limbo - forget bounce back loans this is objectively and independently appalling customer service.

I asked today and was told I’m not on the list, I have the email confirming I’m on the list, I’ve asked what will be done about this as I don’t want to just be added to the back of the list as was suggested, still awaiting a reply though.

I know it’s not your fault but owning up to something Tide failed on 3 weeks ago is not new news with regards to the online tracker. It’s a bit like getting a child to own up for eating chocolate when there face is covered in it.

Answer me this. And it’s not a difficult to answer.

The BBL waiting list opened at 6.45pm. At 7.00pm that day how many had registered. And every hour after that.

We’ve all had a confirmation email with the time it was registered.

Real information which people can relate to in open view for everyone to see. Hiding this information makes you look guilty of picking businesses to support.

If this very simple question can’t be answered then an online tracker is no where near ready.

Thanks for clarifying @Chris83

I’ll look into this and ask that the team look into the matter so we can clear this up with you, I completely understand how upsetting this must be.

@Jon22 I would assume that the issue in your case is that the team have referenced the email that’s associated with your account with us, which might differ from the one that you used to register your interest. Can you look into what email you used and let the team know?

@Newbielee I do appreciate the need for transparency. While I can’t provide you with the specific numbers, I will make sure to pass this along to the team.


Not that it matters now as me personally can’t see BBL being issued again through tide. But simply put there were people sub 1000 on the list which haven’t been offered loans which would have been the minimum number if every business took 50k. The only answers to that are as a business you’ve hand picked businesses or you simply haven’t lent a penny to anyone. It really is as black and white as that. The tracker was a simple attempt at buying time. Unfortunately due to the string of lies Tide will cost people there businesses, homes and very sadly probably people’s lives. The lesson to be learnt here is be honest which is something Oliver seems to have struggled with, using the same smirking picture on the final update was a real kick in the teeth to all those which ultimately pay his dividends.

The tracker was just a ruse to attract more customers so they can access the BCR fund. It’s starting to make sense now.

The whole thing has been a string of lies from the very start. I’ve held out in the vain hope that they were going to come good in the end but in my heart I’ve know this was going to be the outcome. Being honest with people in business is the most important factor in being successful. Unfortunately for me it looks like I’ll have to attempt to find a job as my business won’t survive.

I feel so sad and disappointed. i had my hopes raised to the highest knowing that i was #399 on the waitlist. Now i have to face the reality of being rejected everywhere even by my on bank. i wonder if i will survive this. So sad and heart broken.

So how could they have lent out £50mill if they never got to #400 on the waiting list? £50mill should have covered the 1st 1000 on the list.
Did they just hand over money to their buddies at tax payer’s expense?

Hi @Newbielee, I just wanted to clarify that we have loaned £50M in BBLs to eligible members on our waitlist. After beta-testing our BBLS product with established Ltd members, the funds we have lent were administered on a first come, first served basis, as we worked our way through our waitlist.

Our waitlist tracker was built to allow members to view their own eligibility status and their waitlist position against our lending progress. This would save our Member Support agents valuable time, allowing them to answer more of our members’ queries rather than manually checking positions on the BBL waitlist. If the Government is able to grant direct access to funding for lenders, we’re ready to launch our tracker and lend at scale. We’re sorry that we weren’t able to launch this sooner.

@Pelican we built the tracker to enable a more efficient process for our members’ to check their BBL eligibility. The reason we were accredited and kept our waitlist open is because we wanted to support as many businesses as possible, and were hopeful we could secure the funding to do so. If the government is able to adapt the scheme to allow us to receive funding, then all existing waitlist positions will remain the same and we will continue to lend to eligible members in the order they registered their interest.

We’re not aware of any Tide staff or contractors, having received a Bounce Back Loan from us.

@monkamelvis we are truly sorry for the time you have waited and for not being able to offer you access to this loan. Our team has been working with a number of financial institutions to try to secure funding to lend through the scheme, but unfortunately we found out yesterday that we weren’t able to secure the funding we needed. We have exhausted the options currently available to us, but we sincerely hope that the government is able to amend the scheme to allow fintechs like us to continue lending.

I’ve just double checked and I can actually see that your waitlist position is 4745, which is why you won’t have had access to a BBL. I’m sorry for any miscommunication from our Member Support team, our agents did receive daily training but until our waitlist tracker launches it is a manual process to find our members’ waitlist position, and therefore open to human error. If the government is able to give us access to funding your waitlist position will remain the same when we restart our lending.

Let’s blame the government for not supporting Tide and their bbl fiasco!!!
You have no hopes of the government stepping in !!!
You created this complete mess now haven’t a clue how to get out of it without trying to bring in government support!!

So let me do some basic maths for you.

50m divided by 50k is 1000 loans.

As above a person 399 on the list doesn’t get one.

Absolutely full of crap. Hand picked customers. Prove to us all that you lent a single penny to anyone on the waiting list.

Lie after lie. I hope Oliver has the decency to resign from his position.


It is down right insulting to try and now flip this on its head and blame the government for a lack of funding. The failt for this lies firmly with Tide, not the government. You gained accreditation, kept taking on new account customers and adding e-mails to the waitlist without any more funding secured. You gave people hope, when there was none.

The simple fact here sits with that Tide has no more ability to provide loans than any other non bank institution. You have no banking licence, you have no credit creation ability. However, when customers sign up to your “banking” they are not warned that you provide no real lending or suppport facilities, they join and then they are stuck.

If we had not joined you and been with a high street bank instead, we would have had access to funding. Because we bank with Tide, many of our businesses will go bust. It is a simple fact.

Now you have a hoarde of angry members, with whom you have lost their trust and their respect.

To add insult to injury you are then sending surveys round in the evening offering a chance for £50 amazon vouchers, to gauge interest in some cooked up mentoring, online business directory scheme.

Honestly, the ideas coming out of Tide are like something from a first year undergraduate seminar at a former polytechnic or low level internship programme.

Added into this, when we do give any feedback at all, it is then totally ignored. For example, how can you file for the reverse charge of VAT through your online VAT mechanism? (You cannot, because those designing it don’t even have the first clue what it means).

We experience the wait of days and days for a response in the app. And we can never get through to you on the phone.

The worst thing is, we cannot then leave if we are disatisfied. We are absolutely 100% stuck.