Small businesses, sole traders or farm owners who have had difficulty getting credit or loan facilities of up to the new €500,000 limit or those who have had an unfavourable change to their existing credit terms, can get in touch with the Credit Review Office for an independent review of the decision made in their case. The banks are required to comply with the recommendation or to give their reasons for not doing so to the Credit Review Office. The Office has overturned the Banks’ decision in 35% of cases to date.