Business Finance for Companies with Adverse Credit
Accessing business finance with a poor or complex credit history doesn’t have to be impossible. At Tor Business Finance, we specialise in helping SMEs secure funding including business loans, short term cashflow finance, revolving credit and lines of credit facilities even when adverse credit, HMRC arrears, or past insolvency issues are part of the picture.
Supporting SMEs with Adverse or Complicated Credit Histories
The UK business landscape has faced significant challenges in recent years. The aftermath of the Covid-19 pandemic, rising interest rates, inflationary pressures, and reduced bank lending have all made it harder for small and medium sized enterprises (SMEs) to access finance, especially for those with credit difficulties.
While alternative lenders have stepped in to fill some of the gap left by traditional banks, navigating this new funding environment can be particularly difficult for businesses or directors with:
Poor or limited credit histories
Outstanding HMRC liabilities
Previous company insolvencies
County Court Judgements (CCJs) or defaults
These factors are often seen as red flags by mainstream lenders, but that doesn’t mean funding is out of reach.
Specialist Funding for Higher-Risk Borrowers
Yes, adverse credit can reduce the number of available options, but with the right guidance, tailored finance solutions are available. These applications simply require more time and expertise to package correctly and match with the right lender. As well as business loans, short term cashflow finance, revolving credit and lines of credit facilities, e-commerce funding and merchant cash advances, we can potentially structure other types of business finance too including loans for VAT.
This is where an experienced commercial finance broker like Tor Business Finance adds real value. We understand the nuances of specialist lenders and know how to present even the most complex applications in the best possible light.
Flexible Lending Criteria from Non-Bank Lenders
The appetite for risk, loan terms, and underwriting approach can vary significantly from one lender to another. There is no “one size fits all” solution, particularly for borrowers outside the mainstream lending profile.
At Tor Business Finance, we have years of experience working with non-traditional lenders who are open to considering:
Start-ups and micro-businesses
Applicants with adverse personal or company credit
Businesses with historic financial difficulties
Funding requests starting from as little as £3,000
Many high-street lenders set minimum loan thresholds at £50,000 or more, but our panel includes providers who can help at much lower levels.
Why Work with Tor Business Finance?
We believe that past mistakes or a complex financial history shouldn’t prevent a good business from accessing the funding it needs to grow and succeed.
Tor Business Finance offers:
A proven track record of securing finance for “non-standard” cases
Access to specialist lenders not available directly to the public
A realistic, honest assessment of your options
Tailored finance solutions to suit your situation and goals
We take pride in helping those who may feel they’ve run out of options. Our expertise, flexibility, and commitment to every client mean we can often make funding happen even when others can’t.
Need Business Finance with Adverse Credit?
If your business has been turned down for finance due to credit issues or if you're unsure what’s possible, speak to the experts at Tor Business Finance today.
📞 Call us on 01752 763637
📧 Email: geoff.cooney@torbusinessfinance.co.uk
Let us help you find the funding solution that fits even if you don’t fit the mould.
