Using a virtual office or your accountant's address as your registered office is common and perfectly legitimate, and it does not stop you applying. What we assess is the company's trading and cash flow, not the type of address on the register — a registered office is an administrative detail.
Registered office is admin, not substance
Plenty of genuine companies register at an accountant's or a formation-agent's address. It is where official post goes, not proof of where you work. We check the record is accurate and current — why we check Companies House — but the address type is not an eligibility test. Where you actually trade can differ — can a company that changed its registered address apply.
What demonstrates a real business is genuine activity through the company's own bank account — what does assessing affordability mean — and clean filings, not a bricks-and-mortar registered office.
Keep it consistent
Just make sure the address you give matches Companies House so verification is clean — what if my companys details have recently changed. Eligibility basics remain as in which business types can apply.
Apply whatever your registered-office arrangement.
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 company that has just changed its registered address apply?, Why we check Companies House?, Which business types can apply?.