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Impaired Credit Finance

Overcome Financial Hurdles with Impaired Credit Finance

Navigating Through CCJs with Pathway Commercial Finance

In the unpredictable landscape of business, financial challenges can emerge unexpectedly, leading to issues such as County Court Judgments (CCJs). While CCJs may seem daunting, they don’t have to signify the end of your business journey. At Pathway Commercial Finance, based in Inverness, we specialise in providing tailored solutions to businesses facing impaired credit, ensuring that past setbacks do not hinder future success.

Understanding County Court Judgments (CCJs)

A County Court Judgment (CCJ) is a legal order issued by a court when you fail to repay a debt, impacting your credit record for up to six years. While CCJs can pose challenges, they do not have to define your business’s financial future.

Addressing CCJs

Promptly satisfying the requirements of a CCJ demonstrates a commitment to resolving financial obligations, minimising its impact on your credit record. Paying off a CCJ within 30 days can mitigate its long-term effects and signal to lenders that it's a temporary setback rather than a persistent issue.

Navigating the Challenges of CCJs

CCJs can affect your credit score, making it challenging to secure financing. However, at Pathway Commercial Finance, we specialise in assisting businesses with impaired credit histories. Our expertise lies in presenting your case to lenders in a compelling manner, highlighting mitigating factors and demonstrating your business’s viability beyond past setbacks.

Tailored Financing Solutions

Despite CCJs, securing business finance is possible with the right approach. Pathway Commercial Finance offers a range of funding options tailored to businesses with impaired credit:

  • Secured Loans: Utilise assets such as property or equipment as collateral to secure financing, reducing lender risk.
  • Unsecured Loans: While more challenging, unsecured loans are attainable with a historic CCJ and evidence of business turnaround.
  • Asset Funding: Leverage asset-based financing, such as hire purchase or leasing, to acquire essential equipment or vehicles.
  • Invoice Funding: Access immediate cash flow solutions by leveraging the value of your outstanding invoices.

Why Choose Pathway Commercial Finance?

At Pathway, we’re committed to helping businesses overcome financial obstacles and achieve their goals. Our extensive network of lenders allows us to find the most suitable financing options, even for businesses with CCJs. By understanding your unique circumstances, we can develop a tailored funding package designed to support your business’s growth and recovery.

Partner with Pathway to Navigate CCJs

Don’t let CCJs hinder your business’s potential. Partner with Pathway Commercial Finance to access tailored financing solutions and chart a path towards financial stability and growth. Contact us today to discuss your funding needs and discover how we can help you overcome past challenges and thrive in the future.

Here at Pathway Commercial Finance Ltd, we provide ethical, effective and honest brokerage services.We’re proud of the excellent reputation built on the trusted advice and guidance across locations including; 

We provide a catalogue of services, of which we have vast expertise. These services include property finance, business finance, bridging loans, and refurbishment loans. Our specialist consultants will guide you through every step and help you take the stresses of finance off your shoulders.

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