Documents a Limited Company Needs

The usual checklist

Most limited company applications come down to six things:

• Company details: we pull most of this automatically from Companies House, registration number, SIC code and registered office address.
• Director ID: a passport or driving licence for each director and person with significant control (PSC).
• Proof of address: for each director, a recent utility bill or bank statement.
• Recent business bank statements: commonly the last 3 months.
• VAT number: if the company is VAT registered.
• Van details: price, age, mileage and the dealer’s details, or a formal quote or invoice.

Sometimes also needed

For newer companies or a thinner file, a lender may ask for a bit more:

• Proof of trading, recent invoices or a short trading history summary.
• A deposit, if the file is thin or the van is older.
• A director’s personal guarantee.
• Filed company accounts, or an SA302/tax year overview for directors, where a lender wants extra affordability evidence.

Getting the company set up first

Before you apply, make sure the company itself is straightforward to check. Lenders verify the registration number, incorporation date, registered office address, and the directors and PSCs directly against Companies House. If any of that is out of date, an old registered address is the classic example, it can slow the decision down. Keep your Companies House record current and the application usually moves faster.

How to speed up the decision

Give accurate company and director details so we match the right lender first time. Have your bank statements and van details ready before you apply. And tell us up front about anything unusual, adverse credit, a newly formed company, a Cat S/N van, it avoids needless declines and gets you a straight answer faster.

A quick note

This is general information, not advice. Tax and lending treatment depends on your company’s circumstances and each lender’s criteria.

Ready when you are

It’s a short list once we’ve pulled your Companies House details and the basics are in order. Get a quote and we’ll match you to the right lender.