Best UK business loans for borrowers with a CCJ
A CCJ is one of the most common decline reasons but also one with the clearest specialist-lender response. The picks below all engage with CCJ-history applicants under specific conditions.
Founder & Managing Director, Muswell Rose, FundBiz
Adam is the founder and managing director of Muswell Rose and a founder of Best Business Loans Ltd, the company behind FundBiz. His background runs through commercial finance, mortgages and fintech, including as managing director of an invoice finance business. He oversees FundBiz's specialty finance comparison and the logic behind how businesses are matched to lenders.
Last reviewed: 12 June 2026
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Merchant cash advance + term loan · £3.5k to £500k · Same day
Most accommodating UK MCA lender on CCJ history; satisfied CCJs largely ignored.
Read full Capify review → -
Specialist post-decline term loans and MCA · £5k to £500k · Same day to 48 hours
Specialist post-decline term loans and MCA; accepts current CCJs case-by-case.
Read full JPM Capital review → -
Merchant cash advance · £10k to £500k · 24 to 48 hours
Direct MCA with case-by-case CCJ underwriting.
Read full 365 Business Finance review → -
Specialist commercial finance for SMEs · £25k to £1m · 3 to 5 business days
Faster than asset-backed specialists; accepts moderate CCJs.
Read full Bolton Finance review → -
Flexi-loan / line of credit · £1k to £500k · Same day to 24 hours
Small satisfied CCJs only; helpful where the underlying business is otherwise strong.
Read full iwoca review →
Side-by-side comparison
| Lender | Typical rate | Ticket | Decision | Best for |
|---|---|---|---|---|
| Capify | Factor rate 1.15 to 1.45 | £3.5k to £500k | Same day | Most accommodating UK MCA lender on CCJ history; satisfied CCJs largely ignored. |
| JPM Capital | Factor / per-month equivalent in higher band | £5k to £500k | Same day to 48 hours | Specialist post-decline term loans and MCA; accepts current CCJs case-by-case. |
| 365 Business Finance | Factor rate 1.10 to 1.40 | £10k to £500k | 24 to 48 hours | Direct MCA with case-by-case CCJ underwriting. |
| Bolton Finance | From around 8% to 15% APR equivalent | £25k to £1m | 3 to 5 business days | Faster than asset-backed specialists; accepts moderate CCJs. |
| iwoca | From 2% per month | £1k to £500k | Same day to 24 hours | Small satisfied CCJs only; helpful where the underlying business is otherwise st... |
Can a UK business with a CCJ still get a loan?
Yes, with conditions. Capify, JPM Capital, 365 Business Finance and Bolton Finance underwrite CCJ applicants. Satisfied CCJs are largely ignored at Capify and 365. Current unsatisfied CCJs above £5k narrow options to JPM Capital and Bizcap.
What is a CCJ and how long does it stay on record?
A County Court Judgment is a court ruling that you owe a debt. Registered for six years on your credit file from the date of judgment. Paid in full within one calendar month of judgment, it is removed from the public Register of Judgments, Orders and Fines, so it no longer shows on credit checks; satisfied later, it stays for the six years but is marked satisfied.
Does a satisfied CCJ affect UK business loan applications?
Less than an unsatisfied one, but yes. Some lenders ignore satisfied CCJs older than 12 months entirely. Others (mainstream term lenders) treat any CCJ in the six-year window as a decline trigger. Specialist post-decline lenders ignore satisfied CCJs almost universally.
How long after satisfying a CCJ can I apply?
Immediately. Satisfaction itself reopens lender options that the unsatisfied CCJ closed. For the cleanest pricing, wait 12 to 24 months and build clean bank statements alongside the satisfied CCJ. For urgent applications, specialist lenders engage from the day of satisfaction.
Will a UK business loan with a CCJ require a personal guarantee?
Almost always. Lenders accepting CCJ applicants compensate for the elevated risk with a director PG, sometimes a second PG from a co-director, and occasionally additional security against business assets via a debenture. No-PG options are very rare in the CCJ-borrower segment.
How we ranked these
We weight ccj-acceptance criteria (40%), decision speed (20%), decline-reason transparency (15%), post-decline acceptance (15%), transparency (10%). Rankings reflect our published editorial methodology, not any commercial arrangement. See our /methodology/ for the full basis.
Methodology weights
Weights specific to "Best UK business loans for borrowers with a CCJ":
- CCJ-acceptance criteria40%
- Decision speed20%
- Decline-reason transparency15%
- Post-decline acceptance15%
- Transparency10%
Read the full methodology for how we score and rank every lender on the FundBiz panel.
Also considered
- Bizcap (last-resort post-decline)
- Acorn Commercial Finance (asset-backed cases)
Not for
Multiple unsatisfied CCJs; CCJ over £10k unsatisfied; CCJ tied to ongoing winding-up.
Check eligibility in two minutes
Tell us ticket size, trading history and sector. We match you against the FundBiz specialty panel and surface the lenders most likely to approve your file, including post-decline routes. Limited companies, LLPs and partnerships of 4+.
Open the eligibility checker →Reviewed by Oliver Mackman, Director, Best Business Loans Ltd. Last reviewed: 2026-06-12. Editorial by Best Business Loans Ltd (16833937).