FAQ

Frequently asked questions

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How much of my pension can I use in my business?

Depending on your circumstances, you could invest up to 65% of your pensions into your business.
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I’m not 55, can I still do this?

There are no age restrictions with Pension-led funding.
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I’ve got multiple pensions, can I combine them?

Combining pensions will increase the amount you could potentially raise.
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What rate of interest will I pay?

The interest rate has to be commercial, although this will be accruing back in your own pension fund.
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My business partner/spouse also has pensions, can they contribute to this?

Your business partner/spouse can also utilise their pensions to invest in the business.
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I’ve been told I can’t do this by my current adviser . . .

Pension-led funding is a specialist form of pension investment, meaning not all advisers will know how to do this.
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My business is a start-up, can PLF work for me?

There are options for businesses in the start-up phase.
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I’m looking to buy an established business, can I use PLF to achieve this?

Yes. Company takeovers are possible using Pension-led funding.
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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.
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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.
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I’m looking to refer a client to speak about Pension-led funding, how do I go about this?

Please visit our introducer page or give one of our team a call.
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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.
Calculate your funds available
You can combine your pension with those of your fellow directors, spouses and other key stakeholders in the business.
£
£
Maximum loan available.
£0
With no early redemption charges, the term is flexible.
To keep growing your pension we recommend a minimum of 8%.
5%

Quick quote breakdown

Total amount of Pension-led funding required:
£0
Monthly capital / interest payments
back to your pension: £0
Total repayable:£0
Terms and Conditions