Funding Options For Businesses

Pension Led Funding

Leverage dormant funds within your pension to raise capital.

Are You A Business Owner?

If you are a director, owner or senior executive of a limited company, we can set up a SSAS – a “small self-administered scheme” –  to access up to 50% of your pension to raise the capital to grow your business.

Secured Pension Funding, sometimes referred to as Pension Led Funding, Pension Loans, Pension Backed Loans or Pension Led Finance is one of the most effective and flexible yet under-utilised alternative funding methods available to businesses; allowing you to borrow money from your personal pension as the director, owner or senior executive of the company and pay it back with interest.

You Benefit All The Way

Unlike other types of funding, some of the interest paid goes straight back into your pension, offering the potential for significant pension value enhancement and pays for itself.

  • Can be used to purchase property.
  • Interest is paid back into your pension.
  • Set up is easy and stress free.
  • No credit checks required.
  • Can be used for almost any business need.
  • Fast turnaround on funding.

SSASs are registered with HMRC and therefore benefit from a range of tax reliefs including:

  • A commercial Loan can be made to your own company, or a third party company.
  • Company and personal contributions can be deducted against tax.
  • No income tax due on allowable investments.
  • No Capital Gains Tax (CGT) due on disposal of investments, or the the increased value on a commercial property.
  • Funds can be withdrawn with up to 25% Tax-Free starting at age 55.
  • Tax-free lump sum on death before retirement.

The Process

Opus IFP and is leading the way in pension funding for business. We have taken this journey many times before and helped many businesses get the funding needed to realise their business ambitions and goals.

If you’re interested in discussing a SSAS, fill out the form and an advisor will call you back to explain what’s possible based on your unique circumstances with absolutely no obligation.

Upon completing this form you will be contacted by an Opus IFP advisor ONLY. We will not share your details with a third party or use them to process other requests.

Request A Call Back


Whilst every application will be treated on an individual basis, there is no age limit on applying for and receiving secured pension funding.

Yes, like any other form of business loan funding, you will pay interest on the amount borrowed. However, some of the interest paid will go back into your pension pot.

Any funds that were not borrowed against will remain in your pension pot and continue to be invested as you see fit.

Yes, you can use another director’s pension. Sometimes you might borrow in combination to reduce your individual risk.

In order to make pension funding worthwhile, you should have a pension fund of at least £100,000. If you have more funds available, you can borrow against a smaller portion of your pension, reducing the risk associated with borrowing.

You can contact your current pension provider to enquire about the value of your pension, you should also receive a pension statement once a year. Or you can ask your independent financial advisor to check for you.

If you have more that one pension, it’s advisable to combine them. This can potentially increase their worth and thus the amount of funding you are eligible for.

No, pension funding is only possible using the pension of the business owner, director(s) or senior executive(s) – secured pension funding has no impact on your workplace pension scheme.

Yes, pension funding can be used for starting, investing in or acquiring a business – we’ll be with you every step of the way to help you select the best option for your needs.

A SSAS can make a Loan to a company, a SIPP technically can but it is very difficult to achieve with most trustees. The SSAS is the more straight forward route. Also with more than one director within a company the SSAS is less expensive to administer, and more competitively priced.

A small self-administered pension scheme “SSAS”, is a type of defined contributions workplace pension that is typically set up by the directors and senior staff members of a business, offering increased flexibility and control over where pension funds can be used.

The directors can invest the funds as appropriate within HMRC investment guidelines, for example, the SSAS can be used to purchase commercial property or provide a pension loan to the company for any business purpose. A SSAS is exempt from tax and all investments made are free of Capital Gains Tax – Employer Contributions will also receive tax relief.

“We couldn’t be happier with the way things have turned out, we are loving running our new business and can do so knowing our debts to family are paid – we are standing on our own two feet. Who would have known that the source of funding was right under our noses, in our own pensions?”

5 Star Rated

Sarah Honeywill, Fabrics Plus Ltd

Read the full case study