2 min read
The genuine deal-breakers
A company in active liquidation or administration cannot borrow normally; a disqualified director bars the company; an entity that does not actually trade has nothing to assess; and a structure that cannot borrow in its own name (an unincorporated group) is out. These are real stops.
What only makes it harder
A past default, a satisfied CCJ, thin credit or modest turnover all narrow options or raise the price — but none disqualify you outright. Context and current cash flow can carry them.
Applying
If none of the hard stops apply, check eligibility softly and apply online.
Frequently asked questions
Does bad credit disqualify me?
Not by itself. Poor credit makes borrowing harder and pricier, but genuine disqualifiers are things like active insolvency or a disqualified director, not a weak score.
Can a company in liquidation borrow?
No — a company in active insolvency proceedings cannot take on normal borrowing. The insolvency process governs its affairs.
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