Desk research against primary sources, with the issuing authority linked where a page states an official fee, rule or deadline.
The 4–8 week estimate assumes a straightforward sector and a complete file on first submission; incomplete paperwork or a flagged activity resets that clock rather than just slowing it. Banks are working through the same KYC and AML checks regardless of how established the business looks on paper, so a founder with strong home-country accounts still goes through the same document review as anyone else applying.
Neo-banks such as Wio and Zand exist because traditional banks reject a meaningful share of applications in higher-risk sectors, but eligibility there is also sector-dependent rather than guaranteed. The safest sequencing is to gather audited accounts, proof of trading activity and a clear business plan before applying anywhere, since a rejected application can make the next bank more cautious rather than neutral toward the file.
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