{"componentChunkName":"component---src-templates-tide-templates-kv-2-template-index-tsx","path":"/knowledge/business-finance-with-a-ccj/","result":{"pageContext":{"slug":"business-finance-with-a-ccj","contentful_id":"0wuE38Spn9dXpCKXWyJkz","title":"Business finance with a CCJ | Options, risks & next steps","metaDescription":"Explore how businesses with a CCJ can still access finance — from specialist lenders to invoice and asset‑based funding. Understand your options today.","isNoindex":false,"seo":{"type":"application/ld+json","contents":{"contents":"<script type=\"application/ld+json\">\n{\n  \"@context\": \"https://schema.org\",\n  \"@graph\": [\n    {\n      \"@type\": \"FAQPage\",\n      \"@id\": \"https://www.fundingoptions.com/knowledge/business-finance-with-a-ccj/#faq\",\n      \"mainEntity\": [\n        {\n          \"@type\": \"Question\",\n          \"name\": \"Can I get a business loan if my company has a CCJ?\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"Yes — while traditional lenders may decline, many specialist providers still offer funding to businesses with a CCJ, especially if the CCJ is satisfied or you have strong cash flow or assets.\"\n          }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"Does a satisfied CCJ improve my chances of approval?\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"Yes. A satisfied CCJ shows the debt has been repaid and increases lender confidence, especially when paired with healthy business performance.\"\n          }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"What kind of business finance is available to companies with CCJs?\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"You can explore options such as asset finance, invoice finance, merchant cash advances, or short-term loans from lenders willing to work with businesses that have a CCJ. Using a broker like Funding Options by Tide can help match you with a suitable option.\"\n          }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"Will a CCJ affect my business credit score?\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"Yes. A CCJ negatively affects your business credit rating, especially if unsatisfied. Settling it and building a positive repayment track record can gradually improve your score.\"\n          }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"Do I need to disclose my CCJ when applying for finance?\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"Yes — transparency is key. Lenders will review your credit file, so declaring any CCJs helps brokers find lenders who are open to working with your situation.\"\n          }\n        }\n      ]\n    },\n    {\n      \"@type\": \"Article\",\n      \"@id\": \"https://www.fundingoptions.com/knowledge/business-finance-with-a-ccj/#article\",\n      \"headline\": \"Business finance with a CCJ\",\n      \"description\": \"Find out how UK businesses with a County Court Judgment (CCJ) can still access funding through alternative finance, asset lending, invoice factoring and more.\",\n      \"datePublished\": \"2025-11-28\",\n      \"author\": {\n        \"@type\": \"Person\",\n        \"name\": \"Joe Morley\",\n        \"url\": \"https://www.fundingoptions.com/author/joe-morley/\"\n      },\n      \"reviewedBy\": {\n        \"@type\": \"Person\",\n        \"name\": \"Vivek Seda\",\n        \"url\": \"https://www.fundingoptions.com/author/vivek-seda/\"\n      },\n      \"publisher\": {\n        \"@type\": \"Organization\",\n        \"name\": \"Funding Options by Tide\",\n        \"url\": \"https://www.fundingoptions.com\",\n        \"logo\": {\n          \"@type\": \"ImageObject\",\n          \"url\": \"https://www.fundingoptions.com/static/img/logo.png\"\n        }\n      },\n      \"mainEntityOfPage\": {\n        \"@type\": \"WebPage\",\n        \"@id\": \"https://www.fundingoptions.com/knowledge/business-finance-with-a-ccj/\"\n      }\n    },\n    {\n      \"@type\": \"BreadcrumbList\",\n      \"itemListElement\": [\n        {\n          \"@type\": \"ListItem\",\n          \"position\": 1,\n          \"name\": \"Home\",\n          \"item\": \"https://www.fundingoptions.com/\"\n        },\n        {\n          \"@type\": \"ListItem\",\n          \"position\": 2,\n          \"name\": \"Knowledge Hub\",\n          \"item\": \"https://www.fundingoptions.com/knowledge/\"\n        },\n        {\n          \"@type\": \"ListItem\",\n          \"position\": 3,\n          \"name\": \"Business finance with a CCJ\",\n          \"item\": \"https://www.fundingoptions.com/knowledge/business-finance-with-a-ccj/\"\n        }\n      ]\n    },\n    {\n      \"@type\": \"Organization\",\n      \"@id\": \"https://www.fundingoptions.com/#organization\",\n      \"name\": \"Funding Options by Tide\",\n      \"url\": \"https://www.fundingoptions.com\",\n      \"logo\": {\n        \"@type\": \"ImageObject\",\n        \"url\": \"https://www.fundingoptions.com/static/img/logo.png\"\n      },\n      \"aggregateRating\": {\n        \"@type\": \"AggregateRating\",\n        \"ratingValue\": \"4.8\",\n        \"reviewCount\": \"1323\"\n      }\n    }\n  ]\n}\n</script>\n"}},"hero":{"title":"Business finance when you have a CCJ","description":{"raw":"{\"data\":{},\"content\":[{\"data\":{},\"content\":[{\"data\":{},\"marks\":[],\"value\":\"A County Court Judgment (CCJ) doesn’t have to end your funding plans. 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It can appear on your credit record for six years, making borrowing harder – but not impossible.\",\"marks\":[],\"data\":{}}]},{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Some lenders specialise in \",\"marks\":[],\"data\":{}},{\"nodeType\":\"hyperlink\",\"data\":{\"uri\":\"https://www.fundingoptions.com/knowledge/bad-credit-business-loans/\"},\"content\":[{\"nodeType\":\"text\",\"value\":\"bad credit business loans \",\"marks\":[],\"data\":{}}]},{\"nodeType\":\"text\",\"value\":\"and may still approve funding if the CCJ was satisfied or is historic.\",\"marks\":[],\"data\":{}}]}]}"}},{"id":"52638e3c-549c-5c57-afc5-5f5733dfc2c1","label":"Can a business get finance with a CCJ?","content":{"raw":"{\"nodeType\":\"document\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Yes. While mainstream banks may decline applications, many alternative lenders offer tailored products for businesses with previous CCJs, particularly if:\",\"marks\":[],\"data\":{}}]},{\"nodeType\":\"unordered-list\",\"data\":{},\"content\":[{\"nodeType\":\"list-item\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"The CCJ is satisfied or nearly settled\",\"marks\":[],\"data\":{}}]}]},{\"nodeType\":\"list-item\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"The business shows strong trading history and cash flow\",\"marks\":[],\"data\":{}}]}]},{\"nodeType\":\"list-item\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Directors provide a \",\"marks\":[],\"data\":{}},{\"nodeType\":\"hyperlink\",\"data\":{\"uri\":\"https://www.fundingoptions.com/knowledge/personal-guarantee-business-loans/\"},\"content\":[{\"nodeType\":\"text\",\"value\":\"personal guarantee\",\"marks\":[],\"data\":{}}]},{\"nodeType\":\"text\",\"value\":\"\",\"marks\":[],\"data\":{}}]}]},{\"nodeType\":\"list-item\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"The funding is secured against assets or invoices\",\"marks\":[],\"data\":{}}]}]}]},{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Funding Options by Tide partners with 80+ UK lenders to match businesses with suitable finance options – from short-term working-capital solutions to secured asset-backed loans.\",\"marks\":[],\"data\":{}}]}]}"}}],"expandedAccordionItems":[{"id":"52638e3c-549c-5c57-afc5-5f5733dfc2c1"},{"id":"a7e4533b-d0d1-5d9a-b8a8-1b1ae8290791"},{"id":"7678125e-017c-56c3-99b0-7be8ef6d4903"}]},"sys":{"contentType":{"sys":{"id":"templatesV2SectionAccordionAndForm"}}}},{"title":"How to get a loan with a CCJ?","descriptionCards":[{"title":"Three options","icon":"Hand holding bag of money","description":{"raw":"{\"data\":{},\"content\":[{\"data\":{},\"content\":[{\"data\":{},\"marks\":[],\"value\":\"In essence, only three options are open to you as a business owner with an open CCJ. First, you pay the judgment, and all funding options will be available again. Second, you can try to have the CCJ excused, involving going to court to explain why you don't owe the debt in question with the help of a solicitor. Or, third, you can seek a loan with a CCJ.\",\"nodeType\":\"text\"}],\"nodeType\":\"paragraph\"}],\"nodeType\":\"document\"}"}},{"title":"Diverse market","icon":"Lock","description":{"raw":"{\"data\":{},\"content\":[{\"data\":{},\"content\":[{\"data\":{},\"marks\":[],\"value\":\"The lending market is diverse. Many lenders understand that a business with a CCJ might still have a viable business model and the ability to repay a new loan. It might have been an unforeseen cash flow issue that resulted in the CJJ. For example, a key customer missed a large payment, resulting in debt accumulation. 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While many traditional lenders may decline applications with a CCJ on file, some \",\"marks\":[],\"data\":{}},{\"nodeType\":\"text\",\"value\":\"specialist or alternative finance providers\",\"marks\":[{\"type\":\"bold\"}],\"data\":{}},{\"nodeType\":\"text\",\"value\":\" may still approve your application, especially if the CCJ is satisfied or your business has strong assets or cash flow.\",\"marks\":[],\"data\":{}}]}]}"}},{"id":"8c531ed3-eaf7-5c03-94c0-da3de7eb437f","label":"Does a satisfied CCJ improve my chances of approval?","content":{"raw":"{\"nodeType\":\"document\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Definitely. A satisfied CCJ — one that’s been paid off — is viewed more positively than an unsatisfied one. It shows you’ve taken steps to resolve the issue, which can increase trust and widen your funding options.\",\"marks\":[],\"data\":{}}]},{\"nodeType\":\"heading-4\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"\",\"marks\":[],\"data\":{}}]},{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"\",\"marks\":[],\"data\":{}}]}]}"}},{"id":"0b36b2a6-77cb-5047-ad40-91140c562449","label":"Will a CCJ affect my business credit score?","content":{"raw":"{\"nodeType\":\"document\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Yes — a CCJ has a negative impact on your business credit score. The effect is more severe for unsatisfied CCJs and recent judgments. However, building strong financial behaviour, making repayments on time, and settling the CCJ can gradually improve your score.\",\"marks\":[],\"data\":{}}]},{\"nodeType\":\"heading-4\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"\",\"marks\":[],\"data\":{}}]},{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"\",\"marks\":[],\"data\":{}}]}]}"}},{"id":"aa998325-9706-53fd-bcb1-38634743fee8","label":"Do I need to disclose my CCJ when applying for finance?","content":{"raw":"{\"nodeType\":\"document\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Yes. Transparency is key. Even if not asked directly, lenders will likely check your business credit file. Being upfront helps brokers like Funding Options by Tide find the most suitable lender for your circumstances.\",\"marks\":[],\"data\":{}}]}]}"}}],"expandedAccordionItems":[{"id":"aa998325-9706-53fd-bcb1-38634743fee8"},{"id":"0b36b2a6-77cb-5047-ad40-91140c562449"},{"id":"8c531ed3-eaf7-5c03-94c0-da3de7eb437f"},{"id":"8416fa69-d0de-55d2-b513-1776b6f7071b"}]}},{"sys":{"contentType":{"sys":{"id":"templatesV2SectionDisclaimer"}}},"disclaimer":{"raw":"{\"nodeType\":\"document\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Please note that the information above is not intended to be financial advice. You should seek independent financial advice before making any decisions about your financial future.\",\"marks\":[{\"type\":\"italic\"}],\"data\":{}}]},{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"It’s important to remember that all loans and credit agreements come with risks. These risks include non-payment and late-payment of the agreed repayment plan, which could affect your business credit score and impact your ability to find future funding. Always read the terms and conditions of every loan or credit agreement before you proceed. Contact us for support if you ever face difficulties making your repayments.\",\"marks\":[{\"type\":\"italic\"}],\"data\":{}}]},{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Funding Options, now part of Tide, helps UK firms access business finance, working directly with businesses and their trusted advisors. Funding Options are a credit broker and do not provide loans directly. All finance and quotes are subject to status and income. Applicants must be aged 18 and over and terms and conditions apply. Guarantees and Indemnities may be required. Funding Options can introduce applicants to a number of providers based on the applicants' circumstances and creditworthiness. 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