Credicorp
Fast, unsecured short-term business loans for UK limited companies
Borrow between £50 and £500 over 14 to 84 days to cover a short-term business cost — restocking, a supplier deposit, a tool that has stopped working, the kind of thing that cannot wait until next week.
See your repayments take shape
Move the sliders to picture the plan — what you repay, the cost of borrowing, and when each payment falls due. It is an illustration, not a quote.
Who can apply
Applying does not guarantee approval. Every application is assessed on its own facts. We may ask for more information before we make a decision.
- A UK private limited company (Ltd) with a single director.
- The company has been trading for at least 6 months.
- The director is a UK resident, aged 18 or over.
- At least 50% of the director's income comes from the company or from associated sole-trade work.
- A UK business bank account in the company's name.
- The loan is for a business purpose.
How it works
- Apply online Around five minutes. We ask for the company details, the director's details, the bank account, photo ID and the last six months of business bank statements.
- We check the file A real person reviews the application. We verify the company at Companies House, run a business credit check, and check the bank statements for affordability.
- Sign the agreement If approved, you receive a Key Information Sheet (KIS) and a Business Loan Agreement. The agreement is between Credicorp Limited and your company. We do not ask the director for a personal guarantee.
- Funds released Money is sent to your business bank account, usually the same working day where the agreement is signed before 3pm UK time.
The total cost, plainly
Your protections
- No personal guarantee. The loan is to the company, not to the director.
- Settle early any time — an early-settlement charge may apply.
- A 14-day right to withdraw, beginning the day after you sign. If you change your mind within that period, repay the principal plus any interest accrued to that day and the loan ends.
- Hardship is treated as a conversation, not a default. If your business hits a rough patch, contact us — we can pause, restructure or refinance the loan.
- We report only to business credit reference agencies (Experian Business, Creditsafe and Equifax Business). We do not report this loan to consumer credit files.
About Credicorp
Credicorp Limited is a United Kingdom commercial lender, registered in England and Wales. We lend our own money as a direct lender — not a broker — to UK limited companies and limited liability partnerships. We do not lend to individuals, consumers or sole traders.
A Business Bridging Loan from Credicorp is short-term working capital: a small, fixed amount of money advanced to a company to cover an immediate, time-bound cost, repaid over a few weeks. Because the borrower is a body corporate and not an individual, the loan sits outside the FCA consumer-credit regime under Articles 60B and 60L of the Financial Services and Markets Act 2000 (Regulated Activities) Order 2001. In practical terms: the company is the borrower, the director gives no personal guarantee and is not personally liable, repayment is reported only to business credit reference agencies, and there is no Financial Ombudsman Service or Financial Services Compensation Scheme cover — our internal complaints procedure is the route for disputes, with the courts beyond that.
Common questions
View all FAQs →
• the amount borrowed and the term ;
• the total amount payable — every pound the company will repay;
• the total cost of the credit — the difference between what is borrowed and what is repaid;
• a simple annualised rate , so you can compare the cost against other business finance;
• the full repayment schedule .
All of these appear on your Key Information Sheet (KIS) and in the Business Loan Agreement before you sign, so the cost is never a surprise.
A lender you can check up on
We are a direct lender — not a broker. You can verify the company at Companies House from the link above, and we publish our lending and complaint figures every quarter on our transparency page. See our transparency page .
- Trading since 21 November 2024
- Companies House 16093826 ↗
- UK trademark UK00004156742
See the exact cost before you apply
Move two sliders — amount and term — and the calculator shows your total repayment and every instalment. No sign-up, no credit check, no surprises.
Representative: borrow £200 for 30 days, repay £220. An early-settlement charge may apply.
How much do you have spare each month?
Drag the sliders to roughly match your monthly money in and money out. We’ll show what’s left over. It’s a guide to help you think it through — not a quote or a lending decision, and nothing you enter leaves your browser.
Before you apply — honest advice from us
This loan is expensive. It is built for one job: a short, urgent, time-bound cash-flow gap. If you can wait, there is almost always a cheaper option. Here are the headline figures, the cost of the most you can borrow, and the cheaper alternatives — so you can decide before you give us any details.
A worked example: the most you can borrow (£500 over 84 days) costs £105 in interest plus the £5 fee — £610 to repay in total. That works out at roughly 417% APR. APR is a consumer-credit comparison figure that does not legally apply to business lending, but we show it so you can compare like with like.
- £50 to £500 over 14 to 84 days.
- 0.25% interest per day on the amount you have drawn down.
- £5 one-time establishment fee.
- Total cost capped at 100% of what you borrow — you will never repay more than double.
There are usually cheaper options
• A business overdraft — typically 6–15% a year if you have one in place.
• A business credit card — typically 12–25% a year; useful for short gaps you can clear within a billing cycle.
• Invoice finance — if customers owe you money, you can usually advance 70–90% of an invoice within a day.
When we make sense
You need a small amount in the company account in the next few hours, you can repay within a few weeks, and you do not want a personal guarantee on your home. If that is you, we are built to move quickly. If it is not, almost any option above will cost you less.
No sign-up needed to read this or to use the calculator above — we only ask for your details once you choose to apply.
Things you should know
Representative example: A loan of £200 over 30 days at a daily interest rate of 0.25% on the outstanding principal, with a £5 establishment fee, would require a single repayment of £220.00. Total amount payable £220.00. Total cost of credit £20.00.
- Lending is available to UK limited companies, limited liability partnerships, and public limited companies only. We do not lend to sole traders, individuals, or unincorporated partnerships.
- All applications are subject to status, affordability and credit checks performed against business credit reference agencies. We do not approve every application.
- We are a direct lender, not a broker. We never charge brokerage or arrangement fees other than the establishment fee disclosed in your pre-contract information.
- The total cost of credit on any single agreement is capped at 100% of the principal advanced. You will never repay more than double what you borrowed on a single loan.
- No personal guarantee is required or accepted. The company is the borrower. The director who signs on behalf of the company is not personally liable for the loan.
- This is unregulated business lending: a body corporate is not an "individual" or "relevant recipient of credit" under Articles 60B and 60L of the FSMA Regulated Activities Order 2001, so the loan is not a regulated credit agreement under that Order. Credicorp Limited is not authorised or regulated by the Financial Conduct Authority for consumer credit lending. Borrowers cannot refer complaints to the Financial Ombudsman Service and are not covered by the Financial Services Compensation Scheme. We operate an internal complaints procedure — please see our complaints policy.
Ready when you are
Applying takes about five minutes. You can save your progress and come back to it from the link we email you.
Already a customer? Sign in to manage your account · Help centre
Apply now Talk to us first
Credicorp is becoming CreditCorp
Same company, same team, same careful lending — we’re moving to a clearer name. Nothing about your agreement, your account or how to reach us changes.
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.