Sometimes, yes — but it depends on what the adverse credit is, how recent it is, and how the rest of the business looks. Asset finance is secured on the equipment, so lenders can take a more practical view than they might on an unsecured loan. It is not a guarantee, and a weaker profile usually means a larger deposit or a higher rate.
What tends to matter most: whether the issue is historic or ongoing, whether the business is trading profitably now, and whether the asset holds its value. A CCJ from four years ago on an otherwise sound business reads very differently from missed payments last quarter.
Some of our 60+ lenders specialise in cases high-street banks decline. We’d rather tell you honestly that something is unlikely than waste your time — and we’ll say so before any application touches your credit file.