Can two companies I own both borrow at the same time?

Yes — two separate companies you own can each borrow, because each is assessed on its own cash flow. They are distinct legal entities. A lender will note the common ownership and check neither is propping up the other, but simultaneous borrowing across two sound companies is normal. Each company stands alone at law, with its own accounts and cash flow. A director owning both does not merge them. Each application is judged on that company's ability to repay, so both can hold facilities at once.

Can two companies I own both borrow at the same

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Yesseparate entities

Each assessedown cash flow

Links notedcross-checks apply

Two companies, two assessments

Each company stands alone at law, with its own accounts and cash flow. A director owning both does not merge them. Each application is judged on that company's ability to repay, so both can hold facilities at once.

What the lender checks

Because you own both, a lender looks for inter-company dependencies — is one funding the other, are there cross-guarantees? Genuinely independent companies with their own income are straightforward. Disclosing the connection keeps it clean.

Applying

Apply for each on its own figures and disclose the common ownership. apply online.

Frequently asked questions

Do my two companies' loans affect each other?

Only if they are financially linked — inter-company loans or cross-guarantees. Independent companies with separate income are assessed on their own merits.

Can I use one company's loan to fund the other?

Moving funds between companies you own has tax and accounting consequences and can complicate lending. Keep each company's borrowing tied to its own purpose and cash flow.