Dear {bank official}:
I am writing in the hopes that you will undertake further review of my previously submitted loan application.
Upon receiving notice that the loan was denied, I realized that perhaps I hadn't fully communicated my {assets/longtime standing in the community/ability to access additional collateral/etc.}.
To that end, I'm enclosing {documents} that I expect will aid in your reconsideration of this matter. Not being able to access these funds for my {expansion/debt consolidation/etc.} has created a hardship. Please reach out to me if you require further information.
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Index of Hardship Letter Examples