Pension-Led Funding

What is pension-led funding?

Pension-led funding has helped more than 1,500 businesses owners take control of their company finances, using money from their own accumulated pensions as an alternative source of business funding.

Suitable for a variety of business needs, it arguably offers greater flexibility and independence than borrowing through the traditional channels and has the potential to grow the business owner’s pension alongside the funded business.

What can be funded via pension-led funding?

Pension-led funding can be used for genuine commercial reasons.

Who can use pension-led funding?

Pension-led funding is aimed at directors who have a pension (either singly or in combination with other company directors). Businesses from all sectors have used this form of funding particularly service-based businesses, tech, media, manufacturing and franchises. It also allows businesses to use intellectual property as an asset for a pension loan. It can be used as stand-alone funding or in combination with other forms of finance.

What do you need to use pension-led funding?

The main requirement is to have a personal pension and be the director of a limited company. This form of finance allows you to invest your pension in your business for genuine commercial reasons.

What are the typical requirements, terms and conditions?

The director (s) existing pension (s) is combined into a new company pension scheme. A loan can be secured against an unencumbered asset or the new pension scheme can purchase an asset and lease this back to the company. Regular payments of capital and interest, at a commercial rate, must be made from the business back into the new pension scheme – this type of funding is only used if the pension can make a commercial return. As the funds are repaid to the new pension scheme it is possible to do repeat funding back to the business.

What Do I Do Next?

Pensions is a highly complex area and subject to regular changes and as such we recommend you seek advice from your Financial Advisor who can assess suitability.



The strategies outlined are fully compliant with FCA regulations; and the asset classes discussed are accepted by HMRC as being eligible to be held in the appropriate pension scheme wrappers. Pension-led funding is a complex proposition, and accounting and tax advice may be necessary given the corporate, taxation and individual financial impacts. The value of your pension could go down as well as up and it is necessary to repay the funds


What Our Clients Say

  • Rob delivered a series of 3 workshops aimed at understanding how finance houses look at finance propositions with the aim for us as a team to deliver more of a bespoke offering to our customer base. The training was delivered to a mixture of staff who work with new businesses start-ups and existing established businesses across Mid & South West Wales. Rob delivered the training with an abundance of passion and has really helped my team look at financial propositions in a different light, many thanks again Rob and I look forward to work with you in the near future.

    Shayne Yates | Welsh Government Regional Centre Service Mid Wales
  • Rob kindly agreed to attend the recent Pontypridd RFC sponsors networking evening and delivered what can only be described as an excellent talk on 5 Tactics to Boost Your Business and Your Profits. He kept the audience engaged throughout and the feedback from everyone was excellent. Rob is very knowledgeable on business and finance and on top of that is a genuine nice guy. We hope to have him back at a future event and I have no hesitation in recommending Rob’s services.

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  • I wanted to thank you for such an insightful, energetic, and entertaining talk at the Kevin Green Wealth event on securing funding and creating a successful plan. It was brilliantly executed and a pleasure to listen to and the ideas I’ve learned are definitely going to help me in going forward.

    Max Cooper of Manchester
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