• Can I Access Invoice Finance With CCJs?

    Some invoice finance companies will accept customers with CCJs.Analytical software allows you to see exactly how people are finding your website, and which search terms they are using. I just noticed a repeated search phrase being used "can I access invoice finance with CCJs?". It would make sense as you are most likely to need funding support if you are under creditor pressure and you have ended up being taken to court by a supplier.


    A CCJ is a "County Court Judgement", a type of court order that can be registered against you, or your business, if you fail to pay a creditor. It can stay on your credit record for six years. There are various ways that a creditor can enforce such a judgement e.g. instructing a bailiff to seize goods that can be sold to pay off your debt.


    Accessing Invoice Finance With CCJs

    Returning to the question of accessing invoice finance (IF) with CCJs, the answer to that question is likely to be "Yes". To an extent it will depend upon the circumstances of the CCJs but providing there is a reasonable explanation, some invoice finance companies (but not all) are willing to over overlook them and provide you with business funding despite having judgements.

    The feature of IF that makes this possible is that the funding is secured on the value of your book debts (what your customers owe you), rather than the credit standing of your company, as a loan or overdraft would be. This allows some funders to take a more liberal where there is a previous poor credit history. The most important distinction is likely to be identifying that they company was experiencing cash flow problems that can be solved with further funding, rather than having deliberately not having paid their debts, or having committed a fraud.

    There are a number of articles on our site that might be helpful:

    • Article: Business Finance With Bad Credit - we look at some of the tips people give to improve your business credit score, and a simple alternative to jump to the end goal and raise money for your company now.

    • Case study: Funding A Roofing Contractor With CCJs - a case study demonstrating that when a roofing contractor was declined funding due to CCJs, there were still alternative options available to them.

    • Article: Avoiding Insolvency - even if creditor pressure is rising and you are facing insolvency, there may be options to release sufficient funding to get your business back on its feet.

    • Case study: Problems Accessing Finance With Defaults - another example of how different funders will take different views of a client's situation. Where one funder turns a deal down due to defaults and non home ownership, another funder is prepared to lend.

    • Our free guide to invoice finance.

    Share with:

Related articles

  • Read More

    Invoice Discounting Can Be Available After A Liquidation.

    If your business fails it can feel like the end of your world. What's worse is that you might struggle to get back into business, as traditional lenders don't want to support your new venture. Even if you have had a previous company enter insolvency, such as a compulsory liquidation, you may still be able to get funding if you decide to start a new company. Everyone deserves a second chance.We...

  • Read More

    Invoice Finance Despite A CCJ And Time To Pay Arrangement

    Demonstrations of how we can help companies are more powerful than just talking about theoretical cases. In a recent example case, we had a prospect that was looking for a more stable facility than the selective invoice finance facility that they had used sporadically, from one of the single invoice finance providers.This problem that they had experienced was that their selective invoice finance...

  • Read More

    Invoice Finance For Non Homeowners In Rented Accommodation

    Renting doesn't have to be a barrier to accessing receivables finance for your company. However the number of invoice finance companies requiring clients to be homeowners has increased in recent years. Historically, it was never an issue, but many of the providers have added in this requirement, in order to ensure there is some substance behind personal guarantees that are often required by some...

  • Read More

    Alternative Finance If Declined By A Bank

    If your company is having difficulty finding business finance through traditional sources i.e. banks, you may want to turn to the alternative finance market, which will provide further options.There are plenty of alternative finance solutions here, we have arrangements in place with a large number of funders that can help in a wide range of circumstances. These include alternatives to overdraft,...

  • Read More

    Business Funding For A Discharged Bankrupt Director

    We have expertise in helping companies that have struggled to raise the business funding that they need elsewhere. There can be for many different reasons, but one that we are currently working with is a company where the Director is a discharged bankrupt.Bankruptcy is where an individual cannot pay their debts (they are insolvent) and either they petition a Court to be made bankrupt, or they are...

  • Read More

    Help For A Roofing Contractor Declined Due To A CCJ

    I wanted to share this interesting case that we are in the process of assisting. It concerns a roofing contractor, working within the construction sector, that has a low value CCJ (County Court Judgement) from several years ago.Firstly there is the issue of the company operating within the construction sector, of course not all invoice finance companies will deal with construction related...

  • Read More

    Help When Declined For Business Finance

    I was looking through some completed deals and it struck me how many had been declined for business finance before they came to us, and how many we were still able to help.In fact, we specialise in being able to help when you have been declined for business finance elsewhere. Often we have been able to assist companies who think that there are no options available to them. It is often a case of...

  • Read More

    Examples Where We Helped Companies Declined For Business Finance

    Yesterday, I posted about how we often help companies that have been declined for business Finance. These are a few examples of deals where we have been able to help in circumstances where the clients have not been able to secure the required business finance on their own.These are a few examples of the situations that we have been able to help with, each one has a link to the case study that...

  • Read More

    We Can Help With Difficult Cases Where You Have Been Declined For Finance

    We are able to help you find business finance even in difficult circumstances where you have been previously declined for finance. In fact, we specialise in helping businesses that have been unable to secure the finance that they need through other means.Some of the difficult cases that we have helped in the past include:Read some case studies with examples of where we have helped clients in...

  • Read More

    Lender Of Last Resort

    Is being called a "lender of last resort" such a bad thing?The term could be defined as a financier that is called upon only when the borrower can't get finance anywhere else. Often they are considered the last resort because either the terms are onerous or the price is higher than the norm.Back when I was working for factoring companies in the 80s and early 90s, there was a definite aversion to...

  • Read More

    Business Finance With Bad Credit

    Getting business finance with bad credit whether its your company that has a bad credit history, or you personally, appears to be a concern for a number of businesses.I recently read an article online about how to improve the credit rating of your business, clearly production of the article had been prompted by a need that the authors had identified for companies with bad credit to raise...



Examples of just a few of our finance partners:

metro bank sme finance
pulse cashflow finance