03/09/2026
What is a director's loan, really?
It is money you have taken out of your company over time, or expenses the company paid for you, that has been recorded as a loan rather than wages or a dividend. Most company directors have one.
They are very common, and while the business is ticking along, it just sits there. The problem only shows up when the company can no longer pay its debts.
If that is where you are heading, that quiet loan account is worth understanding now, not later. We can walk you through it, plainly and without pressure.