Possibly. Not yet having filed a first set of accounts is normal for a young company and is not, by itself, a barrier — provided you are genuinely trading, have been for long enough, and your filing obligations that are due are current. The trading, not the accounts, is what we assess.
What actually counts
You do not need filed accounts in hand; we read live cash flow. What matters is meeting the minimum trading history — how much trading history we look at — and not being overdue on anything already due, like a confirmation statement — can i apply with late filed accounts or overdue confirmation statement.
Many first-year companies borrow successfully once a few months of real trading have built. The early-stage picture is covered in whether a newly formed company can apply and how soon after incorporation you can borrow.
Make the case on trading
Genuine activity through the business account, a clear purpose, and current filings are what carry a young application — what strengthens an application. The guides at Credicorp Learn help early-stage directors plan borrowing.
If you are trading and current, apply.
We lend only to UK limited companies and LLPs, the loan is to the company with no director personal guarantee, and this is business finance outside the consumer-credit regime — as an exempt lender under Article 60B of the Regulated Activities Order we sit outside FCA consumer-credit regulation, so the Financial Ombudsman Service and FSCS do not apply.
See also: Do I need filed accounts to apply for a business loan?, How much trading history we look at?, Whether a newly formed company can apply.