Business Loans With a CCJ
Business loans for CCJs – a County Court Judgment doesn’t have to end your application
Having a County Court Judgment against your business doesn’t automatically rule you out of funding. Borrow £50,000-£500,000, assessed on your current trading position alongside your CCJ – not on the CCJ alone.
- Won't affect your credit score
- Decision in 24 hours
- Soft credit check — no footprint
- Satisfied and unsatisfied CCJs considered
- Decision in 24 hours
- Human decisions, not just algorithms
What is a loan for businesses with a CCJ?
A loan for companies with a CCJ is essentially unsecured funding assessed with real weight given to your current trading performance and affordability, rather than an automatic decline the moment a County Court Judgment appears on your record. We look at your bank statements, turnover, and trading pattern to judge whether the loan is affordable now, alongside the details of the judgment itself.
Businesses with a CCJ commonly use this funding to cover:
Settling the CCJ
Clear an outstanding CCJ in full, which can then be recorded as satisfied.
Cash flow gaps
Bridge a shortfall without the CCJ closing off every mainstream lending option.
Rebuilding trading strength
Access funding while demonstrating a period of stronger, more recent trading since the judgment.
Tax bills and one-off costs
Cover VAT, corporation tax, or an unexpected bill without dipping into reserves earmarked elsewhere.
WHAT'S INCLUDED
£50,000 – £500,000
Loan amount
6 – 60 months
Repayment term
No assets needed
Unsecured lending
Fixed monthly payments
No surprise charges
No early repayment fees
Repay whenever you're ready
Won’t affect your credit score
CCJ Characteristics
What is a CCJ and how does it affect a loan application?
What is a CCJ?
A County Court Judgment, or CCJ, is a court order made against a business (or an individual) that hasn’t repaid a debt it owed. It’s not a criminal record and it isn’t the same as insolvency.
Satisfied vs Unsatisfied CCJs
Satisfied CCJ: means the debt has since been paid, but may still be visible on your record.
Unsatisfied CCJ: means a County Court Judgment where the debt has not yet been paid in full.
What does a CCJ mean for my loan application?
A CCJ does not make funding impossible – it means a lender will look at your current trading performance and affordability more closely, alongside the judgment itself.
The process
How do I apply with a CCJ against my business?
Simple and fast, starting with a soft check that won’t affect your score.
Apply in minutes
Tell us about your business, how much you need, and details of the CCJ.
Soft credit check
We check your eligibility without leaving a mark on your credit file.
We say yes
A real person reviews your application and comes back to you within 24 hours.
Money in your account
Sign your agreement and the funds are on their way.
Eligibility
Am I eligible for a loan with a CCJ against my business?
We lend across all sectors and consider applications from businesses with a CCJ on their record. Meet the basics below and there’s a strong chance we can help.
Based and trading in the UK
Make sure you are registered with Companies House, and have at least 12 months of trading history.
A CCJ won't rule you out
Satisfied CCJs, and in many cases unsatisfied ones, are considered alongside your current trading position.
Currently able to meet obligations
While a past CCJ is considered case by case, an active insolvency process such as administration or liquidation is not.
Costs
How much will a loan for a CCJ cost me?
Your rate is personalised and confirmed before you commit, based on your trading history, affordability, and the details of the CCJ. Based on our representative APR of 18.9%, here are some illustrative examples:
| Loan amount | Acceptance | High street bank | Total repayable |
|---|---|---|---|
| £50,000 | 24 months | £2,510 | £60,240 |
| £100,000 | 36 months | £3,640 | £131,040 |
| £200,000 | 48 months | £5,820 | £279,360 |
| £350,000 | 60 months | £9,030 | £541,800 |
| £500,000 | 60 months | £12,920 | £775,200 |
18.9%
Will a CCJ mean I’m charged a higher rate?
It can do, particularly if the CCJ is unsatisfied or recent. A satisfied CCJ, especially an older one alongside otherwise strong trading, tends to have less impact on your rate than a current, unpaid judgment.
Can I repay early?
Yes, at any time with zero penalties. You only pay interest for the period you held the loan.
Work out your loan
Work out your CCJ finance
What would my repayments be? Get an instant estimate. No credit impact.
- Finance £50,000 to £500,000
- Terms from 6 to 60 months
- No early repayment penalties
Your loan estimate
Illustrative only. No impact on your credit score.
Representative APR 18.9%. Subject to status and eligibility. For illustrative purposes only.
Your actual rate may differ. See full calculator
What we offer
5 things you'll need to apply
Some of the documentation that may be required when you apply includes:
Company registration number
Your company registration number from Companies House, used to verify your business and confirm its trading status.
Confirmation of annual turnover
So we can size the loan and move fast against your deadline.
3–6 months of bank statements
Recent statements showing your trading activity, so we can assess your cash flow and affordability accurately.
Details of the CCJ
The amount, date, and whether it’s satisfied or unsatisfied – this helps us assess your application accurately from the start.
Your contact details
Name, email address, and phone number, along with your role in the business, so we can verify you’re authorised to apply on its behalf.
We welcome applications from limited companies, sole traders, partnerships, and LLPs — including businesses with an imperfect credit history.
Features
What more should I know about applying for a business loan with a CCJ?
Does a satisfied CCJ still show up on checks?
Yes. A satisfied CCJ remains on the Register of Judgments, Orders and Fines for six years from the date it was registered, though it’s marked as satisfied and is generally viewed more favourably than an unsatisfied one.
Can I apply if I have more than one CCJ?
Yes, though multiple or recent unsatisfied CCJs are assessed more cautiously. Tell us the full picture upfront so we can give you an accurate view of your options.
Should I settle my CCJ before applying?
Not necessarily – some businesses use this loan to settle an outstanding CCJ directly. If you’re able to settle it independently first, that can strengthen a future application, but it isn’t a requirement to apply now.
Will applying affect my credit score?
No. Our soft credit check leaves no mark on your file, so you can check where you stand without any risk.
Put it to work
What else can you do with business loans from Acceptance?
Whatever stage your SME is at, here’s what our customers use Acceptance funding for.
- Settle VAT, PAYE, or corporation tax in full
- Stabilise cash flow around payment deadlines
- Settle an outstanding CCJ in full
- Buy stock or inventory
- Rebuild trading strength after a difficult period
- Consolidate other short-term debt
Common questions about business loans for CCJs
Can I get a business loan if I have a CCJ?
Yes. We consider applications from businesses with a CCJ on their record, assessed alongside your current trading performance and affordability rather than declined on the CCJ alone.
What's the difference between a satisfied and unsatisfied CCJ?
A satisfied CCJ means the debt has been paid in full. An unsatisfied CCJ means it's still outstanding. Both remain on your record for six years, but a satisfied CCJ is generally viewed more favourably by lenders.
Does a CCJ mean I'll definitely be turned down?
Not automatically. A single, older, or satisfied CCJ is generally easier to lend against than multiple recent, unsatisfied ones, but every application is assessed on its own merits.
Will applying affect my credit score?
No. We run a soft credit check to assess eligibility, which leaves no mark on your credit file.
Can I use the loan to pay off my CCJ?
Yes. Some businesses use this funding specifically to settle an outstanding CCJ in full, which can then be recorded as satisfied.
How quickly can I get a decision?
Most applicants receive a decision within 24 hours, with funds released in as little as 48 hours once you proceed
Explore more
Other ways Acceptance can fund your business
Loan for Tax Bills
Borrow to avoid HMRC late payments on corporation, PAYE or any other tax bill.
VAT Loans
Borrow to clear your VAT return and repay in fixed monthly installments.