What Is a SSAS – and Could It Work for Your Business?

If you're a business owner or company director looking for greater control over your pension arrangements, a Small Self-Administered Scheme (SSAS) could offer exactly the kind of flexibility and tax efficiency you're after. But what is a SSAS, and who is it really suited for?

Here’s what you need to know.

What is a SSAS?

A SSAS is a type of occupational pension scheme, typically set up by private limited companies for the benefit of a small group of directors or key employees. It allows you to pool your pension savings and manage them collectively — with a far broader range of investment options than most personal or workplace pensions.

Key Benefits of a SSAS

✅ Greater Investment Flexibility

A SSAS can invest in commercial property (including your own business premises), loans back to the sponsoring company, shares, and more — subject to HMRC rules.

✅ Tax Efficiency

Contributions made by the company to a SSAS are usually deductible for corporation tax purposes. Investments grow free from income tax and capital gains tax within the scheme.

✅ Borrowing Options

The scheme can borrow up to 50% of its net assets to fund investments — something particularly useful for acquiring property or other large assets.

✅ Control and Visibility

SSAS trustees (often the business owners themselves) have full oversight and control over how funds are invested and managed.

Is a SSAS Right for You?

A SSAS isn’t for everyone — it’s best suited to company owners or senior directors who:

• Want hands-on control over pension investments

• Own or plan to purchase commercial property

• Need a pension scheme that can align with the business’s wider strategy

It also requires careful governance and compliance, which is why expert support is essential.

How We Can Help

At Culver Financial Management, our SSAS consultants specialise in providing straightforward advice on setting up, running, and maximising the benefits of a SSAS. We’ll help you ensure compliance, manage risk, and make the most of your pension’s potential.

Get in touch today to explore how a SSAS could work for your business.