Pension-led funding can
help grow your business

Join thousands of business owners who have built their pensions
while providing finance for their business
  • The only form of business funding where the interest you pay on your funding is paid back to your pension
  • Growth and income in the pension remain tax free
  • No need for personal guarantees or charges over domestic property
  • Funds can be used for any business purpose

“This funding is enabling me to envisage growing my business at the rate that it should, because it’s a great business”

Rebecca Shorthouse, People Kaizen Ltd

Calculate your funds available now...

Other pensions
2 What level of funding do you require?
£0
3 Select your repayment option
4 Select the level of interest that you wish to pay back to your pension
5%
Your quick quote:
Total amount of Pension-led funding required:
£5,500
Monthly capital / interest payments
returned to your pension: £114.71
Total repayable over term: £6,882.33
Quick quote is indicative and intended as a guide only. Arrangement and administration fees apply. The example above is for loans from a Small Self-Administered Scheme (SSAS) and must be secured with a first charge on assets of greater value than £6,882.33. The interest rate set must be at an appropriate commercial business funding rate. The loan is restricted to 50% of the scheme value and must be repaid in equal instalments over a period not exceeding 5 years. Failure to repay some or all of the loan will result in a loss to your pension fund equal to the sum not repaid and could result in tax charges. Other types of Pension-led funding options (PLF) are available.

I’m not yet 55, can I still use Pension-led funding?

There are no age restrictions with Pension-led funding

What interest will I pay and what happens to that interest?

The interest rate on the finance must be set at a commercial rate and will help build value in your pension fund

What happens to any funds that I don’t invest in my business?

The balance left in the pension will continue to be invested at your discretion

Will I have to pay tax?

Pension-led funding is a commercial transaction between your pension and your business. Tax may be payable on pension drawdown

What fees and charges can I expect?

Fees and charges for the arrangement and management of Pension-led funding are agreed in advance.

Invest funds already at your fingertips with
one of the largest providers of alternative funding in the UK

For more than 20 years Pension-led funding has provided valuable finance to business owners throughout the UK and across all sectors of the economy. Sourcing your funding directly through your own accrued pensions is a flexible and efficient alternative funding option, giving you more control and freedom.

A guide to Pension-led funding
Pension-led funding allows business owners to invest existing pension funds in their own business. Do you have questions about this powerful form of non-bank business funding?
Find out more
Why I used Pension-led funding
Howard Carter from Incognito mosquito products discusses business and alternative finance such as Pension-led funding.
Find out more
Justin Urquhart Stewart
on Pension-led funding
Financial expert Justin Urquhart Stewart looks at some of the alternative funding options available to British businesses.
Find out more

Proud of our heritage and our customers

1,897
Number of customers
£84,164
Average amount funded
£227,655,246
Total amount funded to date
  • Full visibility of all your Pension-led funding in one place
  • MyViewpoint gives you a complete picture of your entire financial life
  • You can view all of your personal and other financial information with a single log in making it convenient and simple
  • With every Pension-led funding account you get access to market-leading technology – MyViewpoint
Download brochure
How long does it take?
We'll work with you to provide your funding as quickly as possible
Find out more
How are we regulated?
We are regulated by several official bodies
Find out more
View our case studies
Check out how we've worked with our customers
Read our case studies
Find out how Pension-led funding can work for you. Enquire today