2 min read
Company borrowing stays on the company
A loan to your limited company reports to the company’s credit profile at the business bureaux, not your personal file. Your personal score is separate and normally untouched.
The one link to watch
The bridge to your personal score is a personal guarantee. While the company pays, it stays invisible. If the company defaults and the lender enforces against you, that can hit your personal file. No guarantee, no bridge.
What it means for you
Credicorp lends to your company, not to you personally, and takes no personal guarantee. With no personal guarantee, your company’s borrowing never touches your personal credit score. See business loans or apply online.
Frequently asked questions
Does applying for a business loan hurt my personal score?
For a limited company, generally no. The company is assessed, not you. A sole trader is different because there is no separate legal person.
What creates a link to my personal score?
A personal guarantee that is enforced after a company default. Borrowing without one keeps company and personal credit fully separate.
Related reading
Does signing a personal guarantee affect my personal credit file?
A personal guarantee is usually not reported to your personal credit file while the company pays on time, but…
Read →
Am I personally liable for a company loan?
Generally no — limited liability means the company, not you personally, owes the debt, unless you have signed…
Read →Does a satisfied CCJ still affect a business loan?
A satisfied CCJ counts far less than an unsatisfied one — paying it off is exactly the right move. Lenders…
Read →
Do business loans affect my personal credit score?
Usually no — a loan to your limited company does not appear on your personal credit file, provided there is…
Read →Funding for UK limited companies
Credicorp lends to your company, not to you personally — short-term working capital with no personal guarantee. See what your business could access.