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BBS Loan affecting future credit rating?
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Having a BBLS is likely to impact a lender's decision in two ways:
- To claim the BBLS, it was necessary to declare that the business had been adversely affected by coronavirus. Therefore a lender may not base decisions purely on past accounts but will want to understand the extent of coronavirus impact and how that impact continues to affect the business, or not.
- Your affordability will be assessed and this will need to take into account the liability of the BBLS.
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