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How a CCJ affects borrowing
A county court judgment signals a past unpaid debt and drags on your creditworthiness. Some lenders decline automatically; others weigh it against current trading, the amount, and whether it has been satisfied.
How to improve your chances
Satisfy the judgment if you can and get it marked as satisfied, keep your other records clean, and be ready to explain the circumstances honestly. A lender assessing cash flow and context — rather than a single marker — may still say yes. See CCJs and business borrowing.
What it means for you
Do not assume a CCJ ends the conversation.
Credicorp lends to your company, not to you personally, and takes no personal guarantee. See indicative terms on business loans, or apply online in minutes.
Frequently asked questions
Can I get a loan with an unsatisfied CCJ?
It is harder, but a lender that assesses cash flow and context may still consider it, particularly for a smaller amount. Satisfying the judgment first strengthens your position considerably.
Does a satisfied CCJ still count against me?
It carries less weight than an unsatisfied one and shows you resolved the debt. Combined with clean recent records and steady cash flow, it need not be a barrier.
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Credicorp lends to your company, not to you personally — short-term working capital with no personal guarantee. See what your business could access.