Finance for Business Owners & Investors with Adverse Credit
We introduce UK limited companies, LLPs and property investors to specialist lenders — bridging loans, limited-company BTL, development finance and commercial mortgages. Director or guarantor adverse credit history considered.
Specialist Finance for Businesses & Property Investors
We cover the full range of business and property investment finance for UK companies and investors where the director or guarantor has an adverse credit history.
Property Finance
Bridging loans, limited-company BTL mortgages and development finance for UK property investors. Director or guarantor adverse credit history considered by specialist lenders.
Business Finance
Business loans, invoice finance and working capital solutions for UK limited companies and LLPs. Director adverse credit history considered case-by-case.
Business Rescue Finance
Emergency bridging finance introductions for companies facing winding-up petitions, HMRC enforcement, or business owners with adverse credit seeking to raise capital against investment assets.
How It Works
Three simple steps from enquiry to introduction.
Tell Us About Your Business
Complete our short business finance enquiry form. No credit checks at this stage — just tell us about your company, the finance needed and any director credit history.
We Identify the Right Lender
We assess your case against our panel of specialist lenders who understand business adverse credit and match your specific circumstances.
Introduction Made
We introduce you directly to the right lender. You deal with them from that point. No upfront fees from us — ever.
Calculate Your Bridging Loan Costs
Use our free bridging loan calculator to model total interest, fees and the full cost of borrowing for your business deal.
Use the Free CalculatorBusiness Finance FAQs
About Us
Adverse Credit Brokers is a trading style of Archangel Private Finance Limited. We are a UK specialist business finance introducer — we connect UK limited companies, LLPs and property investors with specialist lenders where the director or guarantor has adverse credit history. We are not a lender, we do not provide financial advice, and we are not authorised or regulated by the FCA.
No. We never charge upfront fees of any kind. We are paid by the lender if and when a deal completes. You can enquire and explore your options completely free of charge.
No. Archangel Private Finance Limited (trading as Adverse Credit Brokers) is not authorised or regulated by the Financial Conduct Authority. We act exclusively as a business finance introducer for UK businesses and do not handle regulated consumer credit or regulated mortgage activity.
No. Our services are exclusively for UK businesses — limited companies, LLPs, partnerships and sole traders — borrowing for business purposes of £25,000 or more. We do not accept consumer enquiries. If you are a private individual borrowing for personal purposes, please contact an FCA-authorised firm.
Business Adverse Credit
Yes. A CCJ against a director or guarantor is treated as part of the wider application picture, not an automatic decline. Specialist lenders focus primarily on the security (the property), the LTV, and the exit strategy. The director's CCJ history — its age, amount, and whether satisfied — is assessed holistically alongside the strength of the deal.
Specialist lenders on our panel consider: CCJs (satisfied and unsatisfied), defaults, missed payments, IVAs (active and discharged), bankruptcy (typically 12+ months post-discharge), debt management plans and low personal credit scores. Each lender has different criteria — we match you to the right one for your specific situation.
Yes, in many cases. Specialist lenders can provide bridging finance for business owners and property investors who are in or have completed an IVA, provided the loan is for a business purpose secured against investment or commercial property. Options improve significantly once the IVA is discharged.
Ready to Explore Your Business Finance Options?
For UK limited companies, LLPs and property investors — tell us about your business and the finance you need. We'll identify the right specialist lenders. No upfront fees.
Start Your Free Business Enquiry