Question 1

What about a CCJ or HMRC arrears?

Accepted Answer

Not necessarily a blocker — several lenders accept clients with adverse, particularly if the cause is resolved or being resolved. We'll match accordingly.

Question 2

Can you arrange loans for a holding or property company?

Accepted Answer

Yes — SPV and holdco lending is regularly arranged, particularly for property-rich groups in Doncaster.

Question 3

Do I need security?

Accepted Answer

Not for most loans up to £250k — unsecured business loans are widely available for established Doncaster businesses. Beyond that, secured lending widens choice and lowers cost.

Question 4

Can I refinance existing borrowing?

Accepted Answer

Yes — consolidating multiple facilities into a single cheaper loan is often achievable, particularly if your trading has improved since the existing facilities were taken.

Question 5

Will personal credit affect a business loan?

Accepted Answer

It can — particularly on unsecured facilities and SME lending. We'll review and recommend lenders that weigh business performance over director credit where relevant.

Question 6

Will my accounts be strong enough?

Accepted Answer

Lenders typically want two years of accounts showing affordability, but newer businesses and recovering businesses still have options through specialist funders. We'll be candid about likelihood up front.

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