Credicorp
Cash-flow lending for construction businesses
Builders, contractors and subcontractors buy materials and pay labour long before a stage payment or retention is released. Credicorp bridges that gap for UK incorporated construction businesses — no personal guarantee, same-day decisions.
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 |
|---|
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
Recognise any of these?
If so, a Credicorp short-term business loan could help you bridge that gap.
- Materials and plant hire to pay upfront before a stage payment lands
- Retention held back for months after the work is signed off
- Paying subcontractors weekly while the main contractor pays you monthly
- A tool or piece of plant breaking down mid-project and stopping the job
Which product fits?
Construction cash flow is the gap between paying for materials and labour now and being paid for the work later. A fixed-term loan covers that specific gap at a known total cost.
If the need is one specific bill — a materials order, plant hire invoice or equipment service — Credicorp Slice spreads it over 3 or 4 weekly instalments at a flat 6% fee with no compounding.
Credicorp Business Loan Recommended for this sector
Construction cash flow is the gap between paying for materials and labour now and being paid for the work later. A fixed-term loan covers that specific gap at a known total cost.
• £50–£500 in one advance
• Fixed 14–84 -day term
Credicorp Slice — split a single bill
If the need is one specific bill — a materials order, plant hire invoice or equipment service — Credicorp Slice spreads it over 3 or 4 weekly instalments at a flat 6% fee with no compounding.
• 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.
See the cost for your sector
A typical construction business might borrow £450.00 over 56 days. Adjust the sliders to match your own scenario.
Total cost has been capped at 100% of the amount borrowed.
This matches your needs? Start your application
Borrowing is expensive relative to bank lending. Only borrow if the cost is less than the gap it closes. Total cost capped at 100% of principal — you will never repay more than double. There is no personal guarantee; lending is to the company.
Business Loan
Total cost has been capped at 100% of the amount borrowed.
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
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Common questions
Can a construction or contracting company apply for a Credicorp business loan?
Yes. Credicorp lends to UK incorporated limited companies and LLPs in construction — builders, contractors, groundworkers and fit-out firms. Whether you work on residential or commercial sites is not a pricing factor.
Do companies in this sector need to provide a personal guarantee?
No. All Credicorp lending is to the company — the UK limited company or LLP — as the sole obligor. There is no personal guarantee and no personal credit search on any director or shareholder.
How quickly can a company in this sector get a lending decision from Credicorp?
Applications are reviewed as they arrive during business hours. Credicorp aims to make a credit decision the same working day in most cases. Once approved, funds typically reach your company account the same day.
Lending for other sectors
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.