Credicorp
Short-term business loans in Edinburgh
Edinburgh's incorporated companies operate in one of the UK's most commercially dense and legally active cities, where cash-flow timing can make or break a contract — no personal guarantee, same-day decisions. £50–£500 over 14–84 days.
See your repayments take shape
For planning only — not a quote.
Interest 0.25% per day on the outstanding principal + one £5 establishment fee. Total cost capped at 100% of what you borrow.
- You borrow
- £200.00
- Interest
- £15.00
- Establishment fee
- £5.00
- Total to repay
- £220.00
- Per week (approx.)
- £51.33
| Payment | Due | Amount |
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Downloads a branded PDF of this quote. The quote is an illustration, not an offer.
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No personal guarantee — the company borrows, not you
Same-day funding on approval
Lending to businesses in your city
Edinburgh carries an unusually broad commercial mix for a city of its size: financial and professional services anchor the New Town and St Andrew Square corridor, while tourism, hospitality and the creative industries sustain a parallel economy that runs hard through the Festival season and eases sharply in the shoulder months. Incorporated companies in both sectors routinely encounter timing mismatches between invoice issue and settlement, particularly when dealing with public-sector or institutional buyers who operate on 30–60 day payment cycles.
The city's construction and property market remains active around regeneration schemes in Leith, Granton and the wider waterfront, and specialist contractors frequently bridge subcontractor payments or materials orders ahead of staged milestone receipts. For companies in this position, a short fixed-term facility with a defined repayment date is often a cleaner solution than drawing on a revolving line and allowing the balance to drift.
Professional-services firms — accountants, solicitors, consultants — based around the financial district often face the same cash-flow compression at quarter-end: clients pay when audited, but supplier invoices and staff costs do not wait. A single fixed-term advance covers the gap cleanly without touching director personal funds.
Credicorp does not lend against a postcode — the decision is identical wherever your company trades. Whether your registered office is in the New Town, Leith or the Gyle business park, the same underwriting criteria apply and the rate does not change because of your location.
Which product fits?
A fixed-term loan gives Edinburgh-based companies a defined repayment date aligned to an expected invoice settlement or contract milestone — no revolving balance to manage, no rollover temptation, and no personal guarantee required from directors.
Credicorp Slice can spread a single supplier invoice or professional services bill across three or four weekly instalments at a flat 6% fee, useful for companies that need to honour a payment commitment before a client settlement arrives.
Credicorp Business Loan
Recommended for most needs
A fixed-term loan gives Edinburgh-based companies a defined repayment date aligned to an expected invoice settlement or contract milestone — no revolving balance to manage, no rollover temptation, and no personal guarantee required from directors.
• £50–£500 in one advance
Credicorp Slice — split a single bill
Credicorp Slice can spread a single supplier invoice or professional services bill across three or four weekly instalments at a flat 6% fee, useful for companies that need to honour a payment commitment before a client settlement arrives.
• Bills of £50–£2,000
• Flat 6% fee — no compounding
Pick the borrowing that fits your business
Tell us what you need and roughly how much. We’ll point you to the right product — a steer, not a quote or a lending decision.
Who can apply?
- UK limited company or LLP (body-corporate lending only — not sole traders)
- 6+ months trading
- Current UK business bank account
- Director identity check (you, not the company, as the company's authorised representative)
- No personal guarantee required — the obligation is the company's
Common questions
Which Edinburgh businesses are eligible for a Credicorp loan?
Credicorp lends to incorporated limited companies and LLPs registered and trading in the UK — including those based in or operating from Edinburgh. Sole traders, partnerships and private individuals are not eligible. Being located in Edinburgh is not a pricing factor; the underwriting decision and rate are the same regardless of where in the city your company trades.
Do Edinburgh company directors have to provide a personal guarantee?
No. Credicorp extends credit to the company itself. Directors do not provide a personal guarantee and carry no personal liability for the facility. The lending decision is made on the company's trading profile and cash-flow position.
How quickly can an Edinburgh limited company get a decision?
Credicorp aims to return a credit decision on the same working day the application is submitted. Successful applicants typically receive funds the same day or the following working day, depending on the time of submission and bank processing.
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Ready when your company is
A 5-minute application. AI decision in minutes, confirmed by a real underwriter. Same-day funding on approval. No personal guarantee.