A numerical study was conducted to investigate the loading effects on damage initiation and growth in a particulate composite material with a viscoelastic binder matrix. A micro/macro-approach was used to this end along with isotropic damage mechanics applied to the microlevel materials. The numerical simulation showed that for the particulate composite material under investigation, a higher strain rate loading initiated damage at a lower applied strain level than a lower strain rate loading. However, damage saturation occurred at a higher applied strain when the material was loaded in a faster speed. These results corelated well to previous experimental observation.