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 your company and pay it back with interest.

You benefit all the way

Unlike other types of funding, some of the interest that you pay goes straight back into your pension, offering the potential for significant pension value enhancement – and a loan that partly 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 release of funding.

SSASs are registered with HM Revenue & Customs (HMRC) and therefore benefit from a range of tax relief measures, including:

  • A commercial loan can be made to your own company, or to 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 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  • Funds can be withdrawn, with up to 25% tax-free, starting at age 55.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 Business Pensions is leading the way in pension-led 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 below 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 Opus Business Pensions advisor ONLY. We will not share your details with a third party or use them to process other requests.


There is no age limit on applying for and receiving secured pension funding. Every application is treated on an individual basis.

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, and you should also receive a pension statement once a year. Your independent financial advisor can also check upon the value for you.

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

Not at all. Pension-led funding is only possible using the pension(s) of the business owner, director(s) and/or senior executive(s). Secured pension funding has no impact on your workplace pension scheme and its benefits for your employees.

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 (Small Self-Administered Scheme) can make a loan to a company. A SIPP (Self-Invested Personal Pension) technically can do the same, but this is very difficult to achieve with most trustees. The SSAS is the more straightforward route. Where a company has more than one director, a SSAS is less expensive to administer, and more competitively priced.

A  SSAS is a Small Self-Administered (pension) Scheme, a type of defined contribution workplace pension scheme that is typically set up by the directors and senior executives of a business, offering increased flexibility and control over where their personal 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