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Company (LTD.) Loan vs. Personal Credit Score?

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RP93

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Hey guys,

My sincerest apologies if this seems like a question which has an obligatory obvious answer or has been asked before.

Just like the title says basically, I am in need of a loan for my start-up to get us through the initial phase of developing product & bringing in inventory. The company is fashion-based so there is no chance whatsoever of investment and a loan is literally the only option.

However, I am wondering that even though the company is a Limited Company (UK), I am the only member mentioned & have full ownership rights. Therefore will the loan largely affect my own personal credit rating or will they be 2 completely separate things?

In a nutshell, I guess I am asking with regards to finances for a Limited Company, are that of the company and the owner separate entities or are they both intertwined? Another example being that if the company were to go bust, would that also largely affect my own credit rating?

Thanks for any advice that can be offered here, and once again my apologies if this seems like a redundant question to ask.
 
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Stop Peeking Through the Keyhole.
Open the Door.

You hit a wall because the best advice isn't free—it's earned. Since 2007, MJ DeMarco has been active here daily (99.9% active rate), building a war room for entrepreneurs who refuse to settle for mediocrity.

  • Active Daily: Life-changing content posted dozens of times every day. No dead threads.
  • MJ's Inner Circle: Direct access to the author of The Millionaire Fastlane.
  • Vetted Network: Connect with founders scaling to 7 and 8 figures.
  • Proven Roadmaps: Strategy over motivation. Execution over "hustle porn."
"SCALED TO 6-FIGURE MONTHS"
"Tips and advice here saved me from huge mistakes, others allowed me to scale my business to 6-figure months."
— User MitchC
"INSANE QUALITY OF PEOPLE"
"The number of high quality people I've met from this forum has been insane. All of it predicated on building real value."
— User Richard Peck

"You are the average of the five people you surround yourself with."
Are you surrounding yourself with success?

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