Can I get a business loan with a CCJ?

Possibly. A County Court Judgment against your company makes borrowing harder, but it is not an automatic no. A lender weighs the size of the judgment, how recent it is, whether it has been satisfied, and how the business is trading now. A single, settled, older CCJ against a company that is otherwise healthy is viewed very differently from several recent unpaid ones.

How a CCJ is read

A CCJ is a court ruling that a debt was owed and not paid, so it sits on the company's credit file and signals past difficulty. But lenders assess the whole picture, not one marker. A judgment that has been satisfied (paid) and is a couple of years old carries less weight than a fresh, unpaid one. The business credit score guide explains how these markers fit together.

What strengthens the case

Showing the CCJ has been settled, explaining what caused it, and demonstrating that current trading is steady all help. Clean recent bank statements and a clear reason for borrowing let a lender weigh today's business against an old event. Improving the wider position is covered in how to improve a business credit score.

How Credicorp looks at it

Because Credicorp assesses the company on its actual revenue and cash flow, a single historic CCJ does not, by itself, close the door — though it forms part of the assessment. If your company has recovered and is trading well, it is worth applying rather than assuming a no. See also can I get a business loan with bad credit.

Frequently asked questions

Does a satisfied CCJ still count against me?

It still appears on the file, but a satisfied judgment shows the debt was cleared, which reads far better than an outstanding one. Recency matters too — older markers carry less weight.

What if the CCJ is against me personally, not the company?

Since Credicorp lends to the company and assesses the company's position, a personal CCJ is less central than one against the business. Be ready to give context either way.