Not adversely, in most cases. A company credit card or an overdraft is a normal part of running a business, and having one is neither a mark against you nor a tick in your favour on its own. What matters is how you use it — well-managed facilities are fine; ones that are constantly maxed out tell a tighter story.
Usage, not existence
We read your bank activity, so how these facilities behave is visible: an overdraft dipped into and cleared, a card paid down each month, versus a permanently exhausted limit. The first suggests healthy management; the second suggests strain. That reading feeds straight into affordability.
As with any existing commitment, the question is whether there is room to service a new repayment comfortably on top. Existing loans work the same way — see applying with an existing loan.
If facilities are stretched
If your card and overdraft are already at the limit, borrowing more should be a careful decision — model the combined position at Credicorp Tools first. If cash is genuinely tight, support is available rather than piling on more. Otherwise, well-managed facilities simply form part of a healthy picture — what strengthens an application.
Apply and we will read the full picture.
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 I apply if my company has an outstanding Bounce Back Loan?, What strengthens an application?, What does 'assessing affordability' actually mean?.