Credicorp
Short-term business loans in Southampton
Southampton limited companies and LLPs can secure working capital quickly when timing gaps arise in trade or procurement — 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
Southampton is one of the UK's major commercial ports, and the logistics, freight, and marine services sectors shape the rhythm of business across the city. Incorporated companies operating in or around the port environment — from customs agents to specialist engineering firms — frequently encounter payment timing mismatches driven by the mechanics of international trade: goods move before payment clears, and supplier invoices fall due before client settlements arrive.
Beyond the port, Southampton has a well-established professional services community and a growing cluster of technology and advanced manufacturing businesses, many of which are tied to the aerospace supply chain and defence industry. These incorporated companies operate in environments where contract payment cycles can be long and invoice terms are set by large primes, leaving smaller companies carrying working capital gaps that a short-term facility resolves efficiently.
The city's retail and hospitality offer is substantial, with a mix of established shopping centres and independent operators. Incorporated businesses in these sectors face seasonal and event-driven demand patterns — cruise ship arrivals, football fixtures, city-centre events — that create uneven cash flow and periodic needs for short-term cover against fixed obligations.
Credicorp does not lend against a postcode — the decision is identical wherever your company trades. A limited company in the waterfront, the city centre, or the outer commercial estates is assessed on exactly the same basis, with location carrying no weight in the credit decision.
Which product fits?
For Southampton companies navigating the gap between procurement or operational costs and client settlement, a fixed-term loan provides a clean, predictable repayment structure with no open-ended revolving obligation. The facility is to the company, with no personal guarantee required from directors.
Credicorp Slice lets your incorporated company divide a specific freight, maintenance, or supplier invoice into three or four weekly payments at a flat 6% fee, smoothing the cost without disrupting your company's operating account.
Credicorp Business Loan
Recommended for most needs
For Southampton companies navigating the gap between procurement or operational costs and client settlement, a fixed-term loan provides a clean, predictable repayment structure with no open-ended revolving obligation. The facility is to the company, with no personal guarantee required from directors.
• £50–£500 in one advance
Credicorp Slice — split a single bill
Credicorp Slice lets your incorporated company divide a specific freight, maintenance, or supplier invoice into three or four weekly payments at a flat 6% fee, smoothing the cost without disrupting your company's operating account.
• 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
Can any Southampton business apply, or are there restrictions on who is eligible?
Credicorp lends only to UK incorporated limited companies and LLPs. Sole traders, general partnerships, and consumers cannot apply. Your company's Southampton location is not a factor in the credit decision — assessment is based entirely on the company's financial profile.
Do Southampton company directors need to provide a personal guarantee?
No personal guarantee is required. Credicorp extends credit to the incorporated company only, and no director or officer of the company takes on personal liability under the facility.
How long does a decision take for a Southampton limited company?
Credicorp aims to deliver a decision on the same working day an application is submitted. There is no branch network or manual underwriting queue — applications are assessed promptly and funds are paid directly to the company account on approval.
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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.