Introduction
There’s no single credit score that guarantees approval.
Different lenders use different criteria, and many look beyond the number itself.
Business vs personal credit
Some lenders focus on:
- Business credit history
Others also review: - Director’s personal credit
This usually depends on the loan size and structure.
What matters more than the score
Lenders often care more about:
- Recent financial behaviour
- Stable income
- Sensible borrowing levels
Older credit issues carry less weight if the business is now performing well.
Can you get a loan with bad credit?
In many cases, yes — especially if:
- Problems were in the past
- Cash flow is strong
- The loan is affordable
The cost may be higher, but options still exist.
🔵 Get in touch with TMS Finance Today
This new page represents our commitment to faster, smarter business finance. TMS Finance continues to invest in tools that make funding accessible and straightforward. Whether you need £10,000 or £500,000, our team is ready to support you.
If you want quick clarity on your funding options, visit our new business funding eligibility page today. Our specialists are looking forward to helping you take your next step with confidence.