Commercial Finance with an IVA or CCJ in West London
Serious credit issues are a real challenge in commercial lending. With the right specialist broker, the right case can still be funded.
Introduction
Commercial Finance Despite an IVA or CCJ
An Individual Voluntary Arrangement (IVA) or County Court Judgement (CCJ) is among the most significant barriers to commercial finance. Both markers signal to lenders that serious debt issues have occurred, and mainstream commercial banks will invariably decline applications where either is present — whether on the business or on the personal credit file of a director.
Nevertheless, specialist commercial lenders do exist who will consider these cases. They employ experienced underwriters who assess each application individually — considering the strength of the commercial property security, the health of the business, the deposit or equity available, and the specific details of the IVA or CCJ (including its age, whether it has been satisfied, and the circumstances that gave rise to it).
West London Property & Let has experience placing commercial finance for clients with IVAs and CCJs. We know which specialist lenders have genuine appetite for these cases and how to prepare an application that maximises the chances of approval. We will always give you an honest assessment of what is achievable — and what the path to better commercial terms looks like over time.
Who is it for?
Scenarios We Handle
We can advise and assist commercial finance applicants in the following situations:
- Business owner with a personal IVA seeking a commercial mortgage
- Company with a CCJ registered against it seeking commercial finance
- Director with multiple personal CCJs seeking owner-occupied commercial finance
- Business owner who has previously been through insolvency proceedings
- IVA completed within the past one to three years
- Combination of IVA and CCJ on the same applicant
Why Choose West London Property & Let?
Specialist Commercial Lenders
We work with commercial lenders whose underwriters have the authority and appetite to approve IVA and CCJ cases where the overall proposition is compelling.
Honest Feasibility Assessment
We will tell you clearly whether a commercial mortgage is achievable right now, or whether preparatory steps are needed first.
Long-Term Broker Relationship
Even if we cannot place your case immediately, we will work with you to improve your position and be ready to act the moment the opportunity arises.
How It Works
Case Assessment
We review the details of your IVA or CCJ, your business profile, and the commercial property you are seeking to finance.
Feasibility Review
We give you an honest assessment of what is achievable and identify the specialist lenders most likely to support your case.
Application & Presentation
We prepare a compelling application that contextualises the credit issue and emphasises the strength of the commercial proposition.
Completion & Future Review
We guide you through to offer and completion, and review your position regularly to help you move to better commercial terms over time.
Frequently Asked Questions
Can I get a commercial mortgage with an active IVA?
In some cases, yes — particularly where the property is strong, the deposit is substantial, and IVA supervisor consent can be obtained. We will assess feasibility based on your specific circumstances.
How long after an IVA can I access mainstream commercial lending?
Most mainstream commercial lenders require an IVA to have been discharged for at least three to six years. Specialist lenders may consider applications much sooner.
What equity or deposit will I need?
For IVA and CCJ commercial cases, expect to need at least 35–40% of the property's value as a deposit or equity. A larger contribution significantly improves approval chances.
Can a business CCJ be treated differently from a personal CCJ?
Yes — some lenders distinguish between business and personal CCJs, treating business CCJs relating to a previous failed venture differently from personal credit issues. We will advise on how your specific CCJ is likely to be assessed.
What if I cannot get commercial finance right now?
If the timing is not right, we will advise on the steps to take — including credit file management, deposit accumulation, and the optimal application window — and remain your broker of choice when you are ready to proceed.