CASE STUDIES
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SSAS Loanback
Helping a Family Bakery Expand Production Capacity
How two sisters used their SSAS to fund new equipment — repaying themselves instead of a bank.
Fixed interest rate
Quarterly repayments
Of net scheme assets
No bank arrangement fees
Growing Demand, Limited Capacity.
The two sisters are co-owners of an award-winning artisan bakery renowned for its sourdough loaves and signature carrot cake. With demand increasing faster than their current equipment could handle, the business needed new ovens and upgraded kitchen machinery.
Rather than turning to the bank, they explored a funding option that gave them more control, reduced costs, and kept value within their own family wealth structure.
Why not a traditional bank loan?
- Personal guarantees
- Lengthy decision times
- High interest rates
- Strict bank criteria
A SSAS Loanback — A Smarter Alternative.
The sisters already had a Small Self-Administered Scheme (SSAS) with Seabridge SSAS acting as Scheme Administrator and Professional Trustee. Because they owned their commercial property outright, the business was in a strong position to benefit from a SSAS Loanback.
How It Worked
The SSAS lent 50% of its net scheme assets back to the company, fully secured against the bakery premises. No personal guarantees. No bank involvement. No delays.
The Terms
Loan set at a 7% fixed annual interest rate over 5 years, with quarterly capital-and-interest repayments — the company now repays the loan directly to their own SSAS, not a bank.
Powerful Benefits for Business & Pension.
Steady 7% Annual Return
Significantly higher than bank account interest the SSAS was previously receiving.
Repaying Themselves
Repayments go back into their own pension pot, building future family wealth.
No Bank Involvement
No personal guarantees, no external restrictions, no unnecessary fees or delays.
Quick Capital Access
The business secured funding rapidly to purchase new ovens and kitchen equipment.
Putting Their Money to Work for Themselves.
By using a SSAS Loanback, the sisters are repaying themselves — not a bank — and their pension fund receives stable, predictable, above-market returns.
Financed business expansion without external borrowing
Strengthened the cash flow and value of their Family SSAS
Avoided unnecessary bank fees, conditions, and delays
Increased pension returns while supporting long-term business growth
Could a SSAS Loanback Work for Your Business?
Discover how Seabridge SSAS can help you fund growth, protect wealth, and stay in control.