There's a CCJ on file
Judgments, defaults, arrears or a winding-up petition. It's our bread and butter — because the lending is secured, it isn't what the decision turns on.
Move the slider. About a minute to an indicative figure.
Interest only, capital repaid at the end. Based on a rate of 2.4% a month.
No credit search is run, so nothing here affects your credit file.
We can help when you've got:
Business loans from £50,000 to £500,000, secured against property. Larger loans by arrangement. Because we're the lender and not a broker, there's no panel to search and no credit check — the decision is ours, and indicative terms come back within 60 seconds.
Our lending is secured against bricks and mortar — that's what lets us say yes when others won't.
Pick whichever fits. If there's more than one, choose the last option.
A ballpark is fine — we'll confirm it properly with a valuation later on. Remember to include all properties if you chose more than one.
Include any mortgages, loans or charges already secured against it. If it's owned outright, leave it at nothing.
This tells us how hard to push. If there's a deadline, say so and we'll work back from it.
We'll send you the full lending breakdown and a list of the info we'll need from you to get started. We'll only contact you if we can help, and we'll never resell or share your data.
Please tell us your name.
Please give the full registered name, including Ltd or LLP.
Please enter a valid UK phone number, for example 07700 900123.
Please enter a valid email address, for example jane@yourcompany.co.uk.
Every loan we write is secured against property, so this one isn't for us — but it doesn't mean you're out of options. We work with a partner lender who can look at other kinds of security, and we'd be glad to point you their way.
And if the picture changes — if a director, business partner or family member owns property that could be used — come back to us and we'll take another look.
There's something here worth a conversation, but not enough for us to put a figure in writing yet. The value you gave us is an estimate, mortgage balances move, and a second property can change the picture entirely.
We have your details and we'll be in touch. If any of the figures above were a rough guess, you can go back and change them now.
Who we lend to
If your business has been turned away somewhere else, it's usually for one of these reasons. All three are ordinary here.
Judgments, defaults, arrears or a winding-up petition. It's our bread and butter — because the lending is secured, it isn't what the decision turns on.
Somebody searched a panel and came back empty. There's no panel here. We lend our own money, so the answer comes from us and it comes quickly.
A difficult trading period, or a restructure behind you. We'd rather ask you about it than score it and move on.
Why we can help
Business can be tough, and most people need a hand at some point. That isn't something we hold against you.
Because the loan is secured on bricks and mortar, our decision rests on the asset and whether the borrowing works — not on your credit history. It's the reason we can say yes to businesses that a high street lender or a broker panel has already turned away.
The process
Every loan is drawn up individually around your business and your security, which is what lets us lend where a fixed product can't.
Answer a few questions about how much you're looking for and the property you'd use as security. It takes about a minute, and no credit search is run.
A real figure with the rate, the term and the conditions on it, and you're into the process. Not a range, not a maybe — something you can make a decision on.
Solicitors on both sides work through the security and we keep you updated at every stage, so you always know where things stand.
What we lend against
The security can be your own property, a property owned by your business, a guarantor's property, or several properties combined.
We don't lend against plant, machinery, vehicles or stock. If that's the security you have, we're not the right lender and we'll tell you on the first call.
Common questions
Yes — it's one of the most common situations we see, and getting finance done for businesses with judgments against them is what we specialise in. Because the loan is secured against property, a CCJ isn't what the decision turns on. We'll still need the borrowing to be affordable, and we'll ask you what happened, but it doesn't rule you out.
Both are things we deal with regularly. A live petition makes the timetable tighter rather than impossible, and it's exactly the sort of case where being a direct lender matters — there's no panel to wait on. Tell us early and we'll work back from your deadline.
It isn't what the decision turns on. Our lending is secured against property, so we look at the asset, the equity in it and whether the borrowing works for the business. A poor score on its own doesn't rule you out.
That's fine. A recently incorporated company with nothing on file is a normal case for us, because the security does the work rather than a trading record.
Common, and not a blocker. Tell us the position on the first call so we can factor it into how the deal is structured.
All things we see regularly. We'll ask what happened and when, but they don't stop us lending where there's equity in the property.
A previous insolvency, a company that failed, or a discharged bankruptcy are all cases we can look at. Be upfront about it and we'll tell you quickly where you stand.
Your own, a property owned by the business, a guarantor's property, or several properties combined. It doesn't all have to sit in one name.
In most cases, yes. It's part of how we're able to lend at this level to businesses other lenders decline. We'll set out exactly what's being asked for in writing, before you spend anything on legal fees.
No. The questions on this page run no credit search at all — the figure comes from the equity in the property. If you go ahead to a full application we'll tell you clearly at the point a search is needed.
A lender. We fund from our own book, which means the person you speak to is the person assessing your case, and there's no broker fee sitting on top of the deal.
A few quick questions, no credit search, and a straight answer either way.
For business purposes only. Secured against property or land. We do not offer personal loans or consumer credit. Terms from 6 to 18 months.
Representative example: borrow £250,000 over 18 months at 1.75% per month (fixed; 21% per annum), secured against commercial property. A 10% arrangement fee of £25,000 is added to the loan, making a total facility of £275,000. Pay 18 monthly interest-only payments of £4,812.50, plus £275,000 capital at the end of the term. Total interest: £86,625. Total amount repayable: £361,625. Representative APR: 32.6% APR.
Your property may be repossessed if you do not keep up repayments on a loan secured against it. Think carefully before securing other debts against your home.
Rates start from 1.75% per month and depend on the amount borrowed, security and assessment. This example is not an offer of credit. Your actual rate, fees and total cost will be confirmed in writing before you enter into any agreement.
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