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Company loan, company assessment
Where a lender takes no personal guarantee, the loan stands on the company's cash flow and record, not the director's personal finances. That is the whole point of company-only borrowing: it keeps your personal position separate.
Where personal credit can still surface
Some lenders run a light director check as part of KYC or to sense-check character; a serious personal red flag like recent bankruptcy might be relevant. But a middling personal score does not sink a sound company application.
Applying
Focus on the company's numbers. apply online — your personal assets and score stay out of it.
Frequently asked questions
Will a poor personal score block my company loan?
Not with a no-personal-guarantee lender assessing the company. A serious personal event like recent bankruptcy could be relevant, but an average personal score is not the deciding factor.
Does the company loan show on my personal credit file?
With no personal guarantee, a company facility generally does not appear on your personal file. The borrowing sits with the company.
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