Decision reason: insufficient_trading_history

What it means

The business had too little trading history to assess. A newer company without enough visible trading for a confident decision.

Where you see it

It arrives in the webhook payload:

{
  "data": {
    "object": {
      "id": "dec_5H2N8",
      "enquiry_id": "enq_9F3K2P",
      "outcome": "declined",
      "reason": "insufficient_trading_history"
    }
  }
}

How to handle it

Explain that more trading evidence strengthens a future application. See how eligibility works.

Keep declines respectful and never expose the underlying assessment data. See how to apply and the eligibility criteria.

In practice

Treat insufficient_trading_history as one branch of your reason handling, not the whole story. For decisions, the value explains the outcome so you can present it honestly without exposing the assessment. Map it to clear, humane copy, and where relevant signpost a constructive next step — a smaller amount, more trading evidence, or a later re-application. Never surface the raw code to the customer.