Credicorp
Short-term business loans in Swansea
Swansea limited companies can draw down short-term credit against the company alone — 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
Swansea is a city in active economic transition. The Swansea Bay City Deal has accelerated investment in digital infrastructure, life sciences, and advanced manufacturing, and many of the businesses anchoring this expansion are structured as incorporated limited companies. That transition brings real commercial opportunity, but it also brings the cash-flow irregularity that comes with growth: new contracts won before old receivables are cleared, capital equipment needed before a facility is agreed.
The city has a strong industrial and maritime heritage, and incorporated companies in engineering, logistics, and port-related services continue to trade across the region. These sectors often face payment terms set by much larger clients, meaning a well-capitalised order book can still leave a small limited company short at month end. A fixed-term loan that clears within the payment cycle is a practical, proportionate tool.
Swansea's higher education institutions anchor a growing professional-services cluster — accountants, legal firms, and technology consultancies — many of them incorporated and operating on retainer or project billing cycles. Between project milestones, short-term credit needs are predictable in character if not always in timing.
Credicorp does not lend against a postcode — the decision is identical wherever your company trades. A limited company based in Llansamlet, the Marina, or the city centre is assessed on exactly the same criteria; the Swansea address carries no pricing premium or discount.
Which product fits?
A fixed-term loan suits Swansea limited companies facing a defined short-term gap — the repayment date is set at drawdown, there is no open-ended revolving exposure, and no personal guarantee is taken from any director.
Swansea companies can use Credicorp Slice to break a single business expense — a materials invoice or insurance premium — into three to four weekly payments at a flat 6% fee.
Credicorp Business Loan
Recommended for most needs
A fixed-term loan suits Swansea limited companies facing a defined short-term gap — the repayment date is set at drawdown, there is no open-ended revolving exposure, and no personal guarantee is taken from any director.
• £50–£500 in one advance
Credicorp Slice — split a single bill
Swansea companies can use Credicorp Slice to break a single business expense — a materials invoice or insurance premium — into three to four weekly payments at a flat 6% fee.
• 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 a Swansea limited company apply for a Credicorp loan?
Yes, provided the business is incorporated — registered at Companies House as a limited company or LLP. Swansea sole traders, general partnerships, and private individuals are not eligible. The application is assessed against the company, not against any individual director.
Will being based in Swansea affect the cost of borrowing?
No. Credicorp does not adjust its rates or terms based on geography. The decision and the cost of credit are the same for a Swansea company as for a company anywhere else in the UK — location is not a factor in the assessment.
How fast is the credit decision for a Swansea business?
Same working day. Credicorp's decision is based on the incorporated company's profile, not on a manual review of personal finances or property assets. No personal guarantee is required, which means there is no lengthy due-diligence process tied to a director's personal balance sheet.
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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.