Business loan declined for a CCJ
A County Court Judgment registered against your business or against you personally as a director. CCJs sit on your credit file for six years, regardless of whether they're satisfied.
Why this triggers a decline
Mainstream UK term-loan lenders weight unsatisfied CCJs heavily and many decline them outright, particularly when the judgment is recent or unsatisfied. The exact threshold and lookback period vary by lender and aren't always published. Satisfied CCJs are softer but still material for many lenders.
Alternatives that work
- Merchant cash advance against card flow
- Asset finance against specific equipment
- Specialist post-decline lenders
Lenders that may consider this
- Capify (short-term business loans, case by case)
- 365 Business Finance (case-by-case)
- iwoca (small CCJs, satisfied)
- JPM Capital (specialist)
- Bizcap (specialist)
What to do first
- Check whether the CCJ is satisfied; if it is, ensure the satisfaction is on your credit file.
- Pull all three credit-file checks (Experian, Equifax, TransUnion), they sometimes disagree.
- Document the underlying dispute and resolution if the CCJ is contested.
Not for
Multiple unsatisfied CCJs, recent (under 12 months) CCJ over £5,000, or CCJ tied to ongoing winding-up activity.
Send an enquiry
Tell us what you need in 2 minutes. FundBiz is not a lender and does not run a credit check. We pass your enquiry to a business finance broker, who will contact you about your options. For limited companies, LLPs and partnerships with four or more partners.
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