It depends on the activity. Short-term working-capital finance is geared to trading companies with regular income and outgoings. A pure holding or property company with little day-to-day cash flow gives us less of the activity we assess, so it can be a harder fit — though it is not an automatic no.
Trading activity is what we read
Our affordability assessment relies on genuine, regular movement through the business account — what does assessing affordability mean. A holding company that simply owns shares, or a property company with only occasional rental flows, shows a thinner picture than an operating business — closer to the dormant-company challenge.
Where the holding company sits atop trading subsidiaries, the group picture matters — can a holding company or group company apply and can a company owned by another company apply. Often the trading subsidiary is the better applicant.
If there is genuine cash flow
A property company with steady, visible rental income through its own account may well qualify — the more real, regular flow there is, the stronger the case — what strengthens an application. See sector context at Credicorp for Sectors.
If there is genuine flow to assess, 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: Can a holding company or group company apply, Can a company owned by another company apply?, Can I apply if my company is dormant but about to start trading?.