When the bank says no, we say yes.
Funding for UK businesses with a soft credit history, CCJs or prior declines. Underwriting reads the trading book, not just the bureau score.
A poor credit history is rarely the full picture. A short period of stretched trade, a historic CCJ, a director's personal credit event — none of these tell us how the business is performing this quarter.
We look at current cash flow, supplier payment history and the trading rhythm of the business through Open Banking. Files declined by high street banks regularly fund with us inside 24 hours.
Best suited for
- Businesses declined by their bank
- Live or satisfied CCJs
- Director personal credit events
- Recovery from a difficult trading period
How it works
Soft check
Two-minute submission with no impact on your credit file.
Underwriter review
A real credit professional reads the file and quotes structured terms.
Drawdown
On acceptance, funds typically settle the same working day.
Eligibility at a glance
A short list of what we typically look for. Most UK limited companies and partnerships qualify.
- UK-registered limited company or LLP
- Trading for at least 6 months
- Minimum £10,000 monthly turnover
- A UK business bank account
- Director ID and 3–6 months of bank statements
- No active formal insolvency proceedings
Built on the same controls you’d expect from your bank.
We hold ourselves to the standards UK regulators expect of consumer finance, even though commercial lending sits outside the FCA perimeter.
Data controller no. ZB984210. Handled to UK GDPR standard.
Bank-grade transport security on every page and submission.
Read-only access via FCA-authorised providers. Revoke any time.
Funds flow through ring-fenced UK banking facilities.
Eligibility checks leave no footprint on your credit file.
No exit penalties on most products. Costs disclosed up front.
Frequently asked
Can I get a business loan with bad credit in the UK?
Yes. A poor personal or business credit score is not an automatic decline. We weigh current trading cash flow, repayment history with suppliers and forward order book alongside the bureau view.
Do you run a hard credit check?
No. The eligibility check is a soft footprint and does not impact your credit file. A hard search is only run with your explicit consent after you accept an offer.
What if I have a CCJ?
Live CCJs are not necessarily a decline. We consider satisfied judgments, the age of the judgment and the wider trading position.
Will I pay a higher rate?
Pricing reflects risk. Where credit history is weaker, the rate may be higher, but it is fixed and shown clearly on the offer with no hidden fees.
Can I use the funds for anything?
Yes — any legitimate commercial purpose. Bridging HMRC, payroll, stock, equipment or supplier deposits are all common uses.
Ready to see what you qualify for?
It takes two minutes and there’s no impact on your credit score.
Start eligibility check