Business loan declined for a CCJ
A County Court Judgment registered against your business or against you personally as a director. CCJs sit on your credit file for six years, regardless of whether they are satisfied.
Why this triggers a decline
Mainstream UK term-loan lenders (Funding Circle, high-street banks) treat any unsatisfied CCJ over £500 as an automatic decline. Satisfied CCJs are softer but still material for many lenders.
Alternatives that work
- Merchant cash advance against card flow
- Asset finance against specific equipment
- Specialist post-decline lenders
Lenders we route to
- Capify (CCJ-tolerant on MCA)
- 365 Business Finance (case-by-case)
- iwoca (small CCJs, satisfied)
- JPM Capital (specialist)
- Bizcap (specialist)
What to do first
- Check whether the CCJ is satisfied; if it is, ensure the satisfaction is on your credit file.
- Pull all three credit-file checks (Experian, Equifax, TransUnion), they sometimes disagree.
- Document the underlying dispute and resolution if the CCJ is contested.
Not for
Multiple unsatisfied CCJs, recent (under 12 months) CCJ over £5,000, or CCJ tied to ongoing winding-up activity.
Run the matcher
Tell us your sector, ticket size and trading time. We score each panel lender and surface the ones most likely to approve given the decline reason above.
Open matcher →Last reviewed: 2026-04-26.