# Applying again

A second application for a business we already know starts nearly finished — everything you typed comes across, and the documents do not.

Updated: 2026-09-12

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Businesses come back: another season, another piece of equipment, a facility that has been paid
off. The second application is not the whole form again.

## What carries across

Everything we already hold about the business: its legal name, entity type, registration number
and incorporation date, the address, the industry, the phone number — and the owners, which is
usually the fiddliest part of the first one.

Your identity verification carries too. Once it has passed you are not asked again, on this or
any future application.

## What does not

**The documents.** Six fresh months of bank statements, and your company paperwork again. Nothing
you have uploaded is copied onto the new application.

For the statements that is the whole point: they are the one thing that has to be current, and a
file built on statements from two months ago is not the business a lender would be funding today.
It is the same reason an unfinished draft expires 45 days after you start it. The paperwork is
less interesting and takes two minutes — have the PDFs where you can find them.

## How to start one

Open your applications and use **Start a new application** at the top right — in the app, the
**+** at the top of the Applications tab.

Either way the next screen is the same question: **is this for a business we know?** It lists the
businesses you have applied for before — each with the month you last applied and that
application's reference — plus **It's a different business** for a new one. Picking the business
is what starts the new application nearly finished; picking a different business gives you the
empty form.

<Shot src="portal-new-application" alt="The is this for a business we know screen, listing North Harbour Bakery Ltd with last applied September 2026 and the reference SPK-90034F, above a button reading it's a different business." caption="The screen mentions the statements; in practice none of your documents are copied, so the company paperwork needs sending again too." />

In the app, the **+** opens the same question as a sheet.

<Shot src="portal-applications-sent" alt="The applications list with several applications for the same business at different stages, and a Start a new application button at the top right." caption="Every application you have ever started, with where each one stands." />

## Your list keeps everything

Funded, declined, withdrawn and in progress all stay on the list. It is your record with us: what
you asked for, what was approved, and when. The amount column shows what was approved once there
is a decision, rather than continuing to show what you asked for — once there is an approved
number, that is the number.

## In the app

The same list and the same **+**. A second application started on the phone is the same
application you will find at your desk ten minutes later.

<Shot src="ios-applications" phone alt="The Applications tab of the Spark app, with a plus button at the top right for starting a new application." />